Free Assessment · UGro Funding

Know Your Options™

Answer 12 questions. Discover your Home Options Score. Find out what you know — and what you don't — before making one of the most important decisions of your life.

By Yolanda D. Bowman · UGro Funding
K — Keep Your Goals First

What do you want your home to do for you?

Before any decision, we start with your goal. Most homeowners skip this step — and end up making decisions that don't match what they actually want.

Question 1 of 12
Have you clearly defined what you want your home to accomplish for your family in the next 5–10 years?
Yes — I have a specific, written plan for my home and wealth goals
Mostly — I have a general idea but nothing specific or written
Somewhat — I think about it but haven't clearly defined it
No — I haven't thought through my long-term goals for my home
Question 2 of 12
Do you know what role your home plays in your overall retirement or legacy plan?
Yes — my home is integrated into a formal financial and legacy plan
Partially — I know it's important but it's not formally planned
Vaguely — I assume it will work out but haven't planned it
No — I haven't connected my home to any financial or legacy plan
Question 3 of 12
If your life circumstances changed significantly in the next year — health, income, family — do you have a plan for your home?
Yes — I have a contingency plan and it's documented
Partially — I've thought about it but nothing is in writing
Not really — I haven't thought through what I'd do
No plan — I would be figuring it out as I go
N — Navigate Your Choices

Do you know all your options?

Most homeowners only know 2 or 3 of their options. There are at least 6. Not knowing your options means you can't choose the right one.

Question 4 of 12
How many of your homeowner options can you name right now (stay, sell, downsize, refinance, reverse mortgage, rent, transfer, trust planning)?
6 or more — I'm familiar with all the main options
4–5 — I know most of them
2–3 — I only know the basics (stay or sell)
1 — I've only thought about one option
Question 5 of 12
Have you ever explored options like a reverse mortgage, renting part of your home, or transferring ownership to a family member?
Yes — I've researched multiple alternative options seriously
Somewhat — I've heard of them but don't understand how they work
Not really — I've only thought about selling or staying
No — these aren't things I've considered
Question 6 of 12
Do you know the current market value of your home and how much equity you have available?
Yes — I know both figures precisely and have reviewed them recently
Approximately — I have a general sense but haven't confirmed recently
Roughly — I know what I paid but not current value or equity
No — I don't know my home's current value or equity position
O — Organize Your Plan

Are your wishes in writing?

A wish is not a plan. This section measures whether your intentions for your home are protected by actual documentation.

Question 7 of 12
Do you have a current, signed will that specifically addresses what happens to your home?
Yes — current will, reviewed within the last 3 years
Yes — but it's old and may not reflect my current wishes
No — I intend to create one but haven't done it yet
No — I don't have a will at all
Question 8 of 12
Have you named beneficiaries for your home — or placed it in a trust — to avoid probate?
Yes — home is in a trust or has transfer-on-death documentation
Partially — some planning done but not complete
No — I know I should but haven't taken action
No — and I don't know how probate works or affects my family
Question 9 of 12
Does your family know your wishes for this home — and where to find your important documents?
Yes — we've had the conversation and everything is documented and accessible
Mostly — family knows my general wishes but not the details
Not really — I haven't had the full conversation with my family
No — nobody in my family knows my wishes or where my documents are
W — Work With Trusted Advisors

Do you have the right team?

No one should navigate major homeowner decisions alone. This section identifies whether you have the advisors you need — before you need them in a crisis.

Question 10 of 12
Do you currently work with a mortgage advisor who can assess your home equity options?
Yes — I have an active relationship with a mortgage advisor I trust
I have a contact but haven't talked to them recently
No — I only worked with one during my home purchase
No — I don't have a mortgage advisor relationship at all
Question 11 of 12
Do you have an estate attorney and a CPA who know your specific home and financial situation?
Yes — I have both and they are actively engaged in my planning
One but not both — I have either an attorney or CPA but not both
Not currently — I've worked with them before but not actively now
No — I don't have either relationship currently
Question 12 of 12
If you faced a major change — death of a spouse, health crisis, or financial hardship — do you know exactly who to call and what to do regarding your home?
Yes — I have a clear plan and trusted advisors ready to help
Mostly — I have some contacts but no clear plan
Not really — I'd be figuring it out under pressure
No — I have no plan and no clear team to call
Your Home Options Score™
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out of 100

Your KNOW™ Breakdown

Your Top 3 Priorities

Ready for your full Homeowner Options Report™?

Your score gives you the picture. The Homeowner Options Report™ gives you the plan — a written assessment of every viable option for your specific situation, your equity, your timeline, and your legacy.

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Know Your Options™
By Yolanda D. Bowman · UGro Funding · A member of the Options Series™