Sell vs Keep Your Home (Michigan)
A simple decision path that eliminates confusion
The biggest mistake is drifting. If you’re under pressure, the best move is usually the one that creates control: either keep the home with a realistic plan, or sell early to avoid a worse outcome later.
No pressure. Clarity first — then you decide.
The 3 traps that waste time
- Trying to “save the home” without confirming the monthly math.
- Waiting too long while hoping something changes.
- Making decisions based on emotion instead of timeline + affordability.
Choose the plan that protects stability — not the plan that sounds “perfect.”
If Keeping Is Realistic
If Keeping Is Not Realistic
Fast Clue: Timeline Pressure
Fast Clue: Property Condition
Sell vs Keep: Fast Decision Path
Jump to plan →Answer these in order. Your next move becomes obvious fast.
Can you afford the payment going forward?
If the future monthly math doesn’t work, keeping won’t hold.
Can you realistically catch up the past-due amount?
If the catch-up number is too high, selling may be cleaner.
How tight is the deadline window?
Inside 30 days, speed matters more than ‘max price.’
Is the home financeable in its current condition?
If not, ‘as-is’ routes may be the fastest clean option.
Want the cleanest option map?
Tell us your timeline + goal. We’ll map the shortest path to control.
FAQ (Quick Answers)
Jump to plan →Short answers—no fluff.
What’s the #1 best way to decide?
Start with affordability (future monthly math), then timeline, then condition. Those three answers make the decision clear.
When does selling become the smart move?
When monthly affordability is broken, the catch-up amount is unrealistic, or deadlines are close and options are collapsing.