Digital tools make everyday tasks more accessible and more convenient. As more basic services become increasingly accessible via smartphone or computer, more complicated things, like selling or buying a home, can take place online.

If you have home equity in your house, you have several options for using the equity to meet your needs. Historically, home values rise over time. While economic factors can temporarily lower property values, it’s common to earn equity in a home after long-term ownership.

While the housing market trends predictions we mention below are likely, especially when considering the current market, it’s impossible to predict the future of the real estate market with 100 percent accuracy.

If you’re not ready for a short sale or deed-in-lieu of foreclosure, you may consider selling your house for cash. A cash offer can help you liquidate your debt quickly.

The type of bankruptcy you file will affect how you approach selling assets. The two most common types of bankruptcy are Chapter 7 and Chapter 13.

If you’re struggling to make your house payment and don’t know what you should do next, this article can help you narrow your options to move forward with a little more clarity.