Keep your home
Focus on a sustainable budget, a mortgage solution or the repairs that make staying possible.
Explore mortgage help →Offer Genies · Compare your options
Your wish. Your options.
The right next chapter starts with a choice that fits your life. Compare keeping your home, listing it, and selling directly—then look beyond the headline price.
Try the proceeds worksheet ↓
Start with the outcome you want
Three paths worth understanding.
Sell with an agent
Reach the wider buyer market. Plan for preparation, showings, negotiated fees and the buyer’s conditions.
Compare the numbers →Sell directly
Discuss an as-is sale with a buyer. Compare the proposed price, convenience, costs and closing requirements.
See our process →| Consider | Keep the home | List with an agent | Sell directly |
|---|---|---|---|
| Your goal | Stay and address the issue. | Expose the home to a wider buyer market. | Agree directly on condition, price and timing. |
| Work to plan | Budget, mortgage options, maintenance and repairs. | Choose an agent; plan preparation, showings and negotiations. | Review the buyer, written terms, access and title requirements. |
| Money to compare | Ongoing payments and the cost of a sustainable plan. | Likely price less negotiated fees, repairs and carrying costs. | Offer less any costs, payoffs and obligations assigned to you. |
| What can affect timing | Program eligibility and the work needed. | Buyer financing, inspections, appraisal and market conditions. | Buyer funding, contract conditions and title clearance. |
A free comparison worksheet
Compare what you could keep.
Use your own estimates or written proposals. The higher headline price may come with different costs and timing.
Private to this page. Your entries are not sent to us or saved. Print a copy before leaving.
This amount is subtracted from both scenarios. Include the obligations you expect to pay at closing; avoid counting the same cost twice.
Blank amounts are unknown, not zero. Enter 0 only where no cost is expected. This worksheet does not value your home or estimate taxes. Verify payoffs and closing figures with the appropriate professionals; actual amounts and dates can change.
Confidence comes from clarity
Ask the questions.
Keep the answers.
Take the time to understand the agreement and the people involved. A clear written answer is more useful than a reassuring slogan.
- Who is buying the property, and who will close?
- What could change the price or allow cancellation?
- Can the contract be assigned, and how will I be informed?
- Who holds the deposit and handles closing?
- What costs will I pay, and when will I receive proceeds?
Your home. Your story. Your next chapter.