Val Schwab REALTOR® eXp Realty in front of beautiful home

Val Schwab REALTOR®

CA DRE #01470302 since 2005

Clear Guidance for Your Next Real Estate Decision

Whether you’re buying, selling, or navigating a life transition, I help you understand your options and move forward with confidence without pressure or rushed decisions.

If you’re weighing different paths, taking time to compare your selling options can bring clarity before any decisions are made.

Connecting sellers to real buyers and faster closings with experience that works.

Unspoken Chapters

Life events that affect the home quietly, personally, and without a clear playbook.

These pages address common situations homeowners face when life shifts first and housing questions follow.

No urgency. No assumptions. Just clarity.

Soft morning light in a quiet kitchen with a stack of unopened bills marked ‘past due,’ house keys on a wooden table, and a wall calendar with a circled date in the background.

Behind on Payments

What Actually Happens Next

Missed payments don’t tell the full story timing does.

This chapter explains how missed payments progress, what matters first, and why timing changes options more than most people realize.

➡️ Read this chapter → here

Two suitcases standing apart in a softly lit living room, with shoes beside each one, suggesting a household in transition during divorce or separation.

Divorce, Separation, and the House

When life changes faster than paperwork, housing decisions often stall.

This chapter clarifies what’s shared, what’s negotiable, and which housing decisions benefit from pause rather than pressure.

➡️ Read this chapter → here

Kitchen table with overdue bills, a calculator, house keys, and a laptop, representing mortgage stress and financial uncertainty after an income change.

Job Loss, Medical Bills, and Mortgage Stress

Financial stress rarely arrives alone and housing pressure follows quietly.


This chapter explores how temporary hardship intersects with mortgage timelines, and why speed without understanding can limit choices.

➡️ Read this chapter → here

Family members discussing paperwork related to an inherited property, including estate documents and outstanding financial obligations.

Inherited Homes with Debt or Disagreements

Ownership can transfer before understanding does.

This chapter focuses on understanding what’s been inherited before decisions are made by default.

➡️ Read this chapter → here

Foreclosure notice paperwork inside a home with a residential street visible through the window.

When Foreclosure Notices Start Arriving

Receiving a notice doesn’t mean it’s over but timing matters.


This chapter explains what different notices actually signal, what still exists behind the scenes, and why timing changes what’s possible.

➡️ Read this chapter → here

Val Schwab REALTOR®

eXp Realty of Northern California, Inc.

CA DRE#01470302 since 2005

Broker DRE#02188495

Guidance for California homeowners navigating probate, life changes, foreclosure concerns, and long-term housing decisions.

Fresno - eXp Realty of Northern California, Inc.

915 HIGHLAND POINTE DR STE 250
Roseville, CA 95678 (Broker's Office)

Real estate information provided for educational purposes only.

No guarantees or representations are made.