Going through this can feel embarrassing. It doesn’t need to be. If the house is weighing on you, don’t start with a stranger’s cash flyer. Text me. We’ll put list, short sale, as-is, and keep-vs-sell on the same napkin — then you pick.
Prefer a calendar? Book a time — text link, not a third button.
Compare your options
None of these is “the answer for everyone.” Naming them plainly helps you avoid being sold a single path by a fear ad.
List traditionally
Compass MLS listing. Repairs, price, and timing are your call. Often the highest net when you have runway — Geoffrey runs it like any other listing conversation.
Usually weeks to months of marketing when the house needs time on market.
Short sale
Sell with servicer approval when debt may exceed value. Geoffrey can help on the listing side and who else belongs at the table — he won’t invent your paperwork clock on a webpage.
Lender review usually makes this longer than a normal listing.
As-is / cash intro
Cash is a column, not the star. When speed or condition matters, Geoffrey can introduce cash / as-is paths and still show a traditional net for comparison. Same appointment. No fake countdown on a cash offer.
Can move faster, often with a net tradeoff.
Servicer + HUD counselor
Call your mortgage servicer. Find a free HUD-approved counselor via hud.gov/findacounselor. Loss mitigation starts there — not with a bandit-sign buyer.
You can start this week, in parallel with any house conversation.
Keep / rent bridge
Maybe you should not sell yet. Run hold-vs-sell math on /keep-or-sell/, then talk it through. Geoffrey will tell you to keep the house when the numbers say so.
Get the numbers first, then decide on your own timeline.
Same inbox Geoffrey already uses. Prefer the phone? Text or call 952-258-3100. Prefer a calendar? Book here. Hardship details stay on the call — not on this form.
Straight answers
Will Geoffrey pressure me into a cash sale?
No. Cash is a column, not the star. You can still compare a traditional net in the same conversation.
Can a realtor stop my foreclosure?
No. Talk to your servicer and a HUD-approved counselor for loan-path help. Geoffrey covers list / short-sale / keep-vs-sell once you know where you stand.
How long does each option take?
It depends on your loan, condition, and market. A traditional list often takes weeks to months. A short sale usually adds lender review. As-is or cash can be faster with a net tradeoff. Servicer and HUD counseling can start this week in parallel.
Do I have to explain my hardship on this form?
No. Name, phone, email, area/address only. Hardship stays on the call or text.
Should I call a nonprofit first?
Often yes, in parallel. HUD, HOCMN, and LSS are free allies — linked above — not substitutes Geoffrey wants you to skip.
Related doors
Process truth, keep-vs-sell math, and the rest of the library.