Need to move, but your mortgage balance leaves little room for selling costs? We can discuss selling your San Diego or Riverside County home after reviewing your loan, property condition and timing.
VA, FHA or conventional loan? We review the loan's specific terms before discussing options.
Start with your property address, condition and preferred move date. Have a current loan statement handy so we can discuss the balance, monthly payment, interest rate and whether payments are current. You can start a conversation even if some details are missing.
Ask who would buy the home and how the sale would work. A proposal may be a direct purchase by My California Home Solution, an assignment of our purchase contract to another buyer, or another arrangement. The written agreement should identify the proposed structure, buyer and each party's responsibilities.
With little equity, the mortgage balance and selling costs matter as much as the price. Ask whether the existing loan would be paid off at closing or remain in your name, who pays closing costs and what net amount escrow estimates you would receive. Those answers depend on the written terms and your loan.
You do not need to have chosen a sale route before asking questions. Contact MYCAHS about your mortgage and timing. Use the form above or call (858) 465-5417 to begin a no-pressure conversation.
Step 1
Share the property address, condition, loan details and when you need to move. Recent purchases, relocation or limited equity are reasons to discuss options, not automatic eligibility.
Step 2
We review your current loan statement, payment status, interest rate and terms alongside the property. If payments are behind, ask your servicer about deadlines and available options. An offer does not stop foreclosure.
Step 3
Review whether the proposal is a direct purchase, assignment to another buyer or another arrangement. Before accepting, confirm the price, closing costs, buyer's role and what happens to the existing loan in the written agreement.
Step 4
Title and escrow review the required documents and loan information. Closing depends on those requirements and the agreed structure; a sale does not automatically remove a loan from your name. Confirm any remaining responsibilities before signing.
Written Seller Stories
Read our written seller stories. These describe different sale arrangements, not confirmed results of this program.
Common Questions
Tell us about your mortgage, property and preferred move date. We can review your situation and explain a proposed sale's written terms so you can decide whether they fit.