Your options — designed to be fair regardless of what you need upfront

Each option below was structured so that the financial value of what you receive is equivalent — whether you need more cash at closing or prefer smaller payments over time. Taking more money upfront is not penalized; the monthly payment period is simply adjusted so the deal works fairly in either direction, while still meeting the requirements of a sound investment.

Option A is designed to cover the full reinstatement cost with a small amount left over for you at closing. Option D is designed to provide the maximum amount at closing while still making sense from an investor perspective.

Reinstatement assumption: $23,000 — covering mortgage arrears, HELOC arrears, and associated fees, paid directly at closing. This analysis assumes no credit card companies or other creditors have made a claim against the estate. If additional claims exist, the walk-away amounts shown would be reduced accordingly.