(602) 432-3557
Real Estate Company
Surprise & the West Valley · Arizona homeowner options
A home can have equity and still cost more each month than your budget can comfortably support. Get a clear picture of your home’s value, likely sale proceeds and next housing costs before deciding what to do.
Free initial review · No obligation to list · You do not have to be behind on payments
Todd Pooler, REALTOR® · SFR®
The Pooler Group · Realty ONE Group
Your situation. Your decision.
Start with your goals, the full cost of keeping the home and a realistic estimate of what selling would leave you. An online value estimate or a low mortgage rate cannot answer those questions on its own.
If you want to stay, contact your mortgage servicer about assistance. Depending on your loan and situation, options may include a repayment plan, modification or temporary forbearance. Approval and terms vary.
Explore official mortgage-help resources →If the sale can cover mortgages, other liens and transaction costs, a traditional sale may be possible. Compare what you would receive with moving costs and the actual cost of your next home.
Review your likely net proceeds →If expected sale proceeds will not cover secured obligations and selling costs, a short sale may be an option to discuss with your servicer. It requires approval from the mortgage holder and any other required parties.
Read the Arizona short-sale guide →Recognize the strain early
These are reasons to take a closer look at your budget and options. They do not, by themselves, mean you should sell.
For homeowners in Surprise, Peoria, Glendale, Waddell, Goodyear, Buckeye, Sun City and Sun City West, the useful question is the same: does keeping the home still work with today’s income and expenses?
Read: Can you have equity and still struggle with the cost? →A useful review, before a listing decision
| Your question | What we review |
|---|---|
| What could my home sell for? | A market-value range informed by nearby comparable sales, current competition, condition and features. |
| What might I have left? | An estimated seller net sheet that accounts for mortgage payoffs, known liens, negotiated brokerage compensation, closing costs, repairs and possible concessions. |
| Would a move actually help? | Available replacement housing and estimated costs, including deposits or purchase expenses, moving, utilities and HOA or community fees. |
| What happens next? | A conversation about timing and your goals, with referrals to your servicer, a housing counselor or qualified legal and tax professionals when appropriate. |
Todd Pooler · The Pooler Group
REALTOR® · SFR® · Realty ONE Group
Local market knowledge, a clear explanation and time to ask questions.
Meet Todd →
Questions before the first conversation
Yes. Equity is the difference between the home’s value and the debt secured by it. Affordability depends on income, expenses and available reserves. A household can have positive equity while its monthly costs remain unsustainable.
No. You can request a real estate review while current on your mortgage. If you expect payment trouble, contact your servicer early. Do not intentionally miss a payment to pursue a sale or an assistance program.
No. Replacement rent or mortgage payments, insurance, taxes, HOA or community fees and moving expenses all matter. A smaller home can still cost more each month if the financing or ongoing charges are higher.
No. Todd provides real estate market information and selling services. Your mortgage servicer determines assistance eligibility and loan terms. A HUD-approved housing counselor can help you understand available assistance, and an attorney or tax professional can advise on legal or tax issues.
Your property address, preferred way to connect and the question you would like to discuss are enough for an initial conversation. Current payoff figures and other property obligations can be reviewed later through an appropriate channel. Do not submit loan account numbers, bank statements, Social Security numbers or other sensitive documents through this inquiry form.
No. The initial market and selling-options review is free and carries no obligation to list. If you choose brokerage representation, services and compensation will be addressed in a written agreement.
Take the first step
Tell Todd the property address and whether you prefer an email, call or text. Add a question if you wish. You can explore the numbers before deciding whether to sell.
Call (602) 432-3557
Text Todd
Email Todd
Todd Pooler · The Pooler Group
Realty ONE Group
The website inquiry form requires email and phone and includes its contact-consent terms. You may instead contact Todd directly using the options above. No financial documents are needed for this first inquiry.
If the form does not display, open the contact form in a new tab. Include “Selling Options Review,” your property address and preferred contact method in the comments.
General real estate information, not legal, tax, credit or financial advice. Market value, net proceeds and replacement housing costs are estimates, not guarantees. Assistance and short-sale approval depend on the relevant parties and your circumstances. A real estate inquiry does not stop a legal or foreclosure deadline.
Official resource: CFPB: Options when you cannot pay your mortgage. If a trustee’s-sale notice or other legal deadline is involved, contact your servicer and a qualified Arizona attorney promptly.