Keep the Home
Servicer-based options may include things such as repayment plans, forbearance, modification, or other loan-specific assistance.
Explore servicer-based options →Serving North Alabama · Madison & Limestone Counties
Behind on payments?
Facing foreclosure?
Let’s talk about your options.
I’m Joi “JC” Carmichael, The Homeowner Advocate, a REALTOR® and Associate Broker with Lawson Realty & Co. I help homeowners facing foreclosure in Madison and Limestone Counties understand what’s happening and work through the options that may be available. Whether you want to keep your home, are considering selling, or simply don’t know what to do, you can start with me.
RECEIVED A NOTICE OR UNSURE WHAT TO DO? START WITH A CONVERSATION.
People. Homes. Brighter tomorrows.
Understand your options
Understanding the Paths
That May Be Available
Sell the Home
If there is sufficient equity and enough time, a traditional sale may allow the mortgage and selling expenses to be paid from the proceeds.
Understand a traditional sale →Short Sale
If the expected sale proceeds won’t cover the mortgage and applicable costs, the lender may consider approving a sale for less than the full amount owed.
Learn about short sales →Availability depends on your specific loan and circumstances. Your servicer determines eligibility for mortgage assistance and lender approval is required for a short sale.
Prepare. Purchase. Protect. Preserve.
The Homeowner Blueprint
A Clear Path Through Every Stage of Homeownership.
Prepare
Get clear on your credit, budget, timeline, and what may need attention before you take your next step toward homeownership.
EXPLORE PREPARE →Purchase
Understand the buying process, ask the right questions, and make informed decisions from your home search through closing.
EXPLORE PURCHASE →Protect
When homeownership gets difficult, understand what’s happening, pay attention to important deadlines, and learn what options may still be available before the situation becomes more urgent.
EXPLORE PROTECT →Preserve
Protect what you’ve built and make the decision that best supports your future—whether that means keeping the home, selling traditionally to preserve available equity, or exploring a short sale when appropriate.
EXPLORE PRESERVE →JOI
The Joi Of Home
Hi, I’m JC.
A listening ear.
An advocate in your corner.
Homeownership is personal. So is the guidance you receive. As a Realtor® with Lawson Realty & Co., I help homeowners in North Alabama make informed decisions during some of life’s most overwhelming real estate moments.
As a REALTOR® and Associate Broker, I help you understand the real estate side of your situation: whether a traditional sale may work, your estimated equity, or a short sale when appropriate.
My goal isn’t to convince you to sell your home. My goal is to help you make an informed decision about what comes next.
Get to know me →Start where you are
Let’s make the next step clearer.
I’m behind on payments
Start with practical steps, important questions, and support you can reach today.
Find a starting point →I want to understand my options
Explore possible paths for staying in your home or making a planned transition.
Explore your options →I’m considering selling
Understand your home’s potential value, selling costs, and how timing affects your choices.
Learn about selling →For your next chapter, too
Ready to buy or sell?
I’m here for that, too.
You don’t have to be facing a hardship to work with me. Whether you’re preparing for your first home, making a move, or ready to sell a home you’ve cared for, we can build a plan around your goals.
Ready to sell
Understand your home’s value, prepare thoughtfully, and make a plan for pricing, marketing, offers, and your next move.
Plan your home sale →Ready to buy
Get familiar with financing, your home search, inspections, and the decisions that lead to closing.
Explore buying a home →Getting prepared
Not quite ready? Start with your budget, credit, timeline, and the questions you want answered.
Start preparing →Information before decisions
Help begins with understanding.
You don’t need to know all the answers before reaching out. Bring your questions. We can take the next step one conversation at a time.
Browse homeowner resources →You don’t have to figure it out alone.
Let’s talk about where you are and what your next step could look like.