Serving homeowners in all 21 New Jersey counties
100% Free|Completely Confidential|All 21 NJ Counties
New Jersey's Trusted Foreclosure Resource
Clear Guidance When
You Need It Most
Facing foreclosure is overwhelming, but you have more options than you think. We explain all 7 solutions in plain English, then connect you with vetted attorneys and real estate professionals who can help. Free, confidential, and no pressure. Ever.
Where are you? Tap your spot
1,500+
NJ Homeowners Helped
7
Years Doing This Work
21
NJ Counties Covered
$0
Cost to You, Always
Know every option
Seven ways out, and five of them keep you in the house
Which ones are still open depends almost entirely on how far along the process is. Here is what each one actually does.
Loan Modification
Your lender permanently changes the terms so the monthly payment becomes affordable again.
Best if: You can afford a lower payment
Refinancing
Replace the existing loan with a new one at better terms, paying off what came before.
Best if: Credit and income still qualify
Forbearance
Payments pause or shrink for an agreed stretch while you get back on your feet.
Best if: The hardship is temporary
Home Equity Solutions
Borrow against equity you already hold to clear the arrears and stop the process.
Best if: You hold real equity
Bankruptcy (Ch. 13)
A court-supervised plan that halts the sale immediately and spreads arrears over years.
Best if: You have steady income
Short Sale
Sell for less than the balance with the lender agreeing in advance to release the lien.
Best if: You owe more than it is worth
Cash Sale
A buyer closes in weeks, as-is, with no repairs, showings or agent commission.
Best if: A sale date is close
Not sure which fits?
Six questions, about two minutes. It shows which of these are still realistic for you.
Take the free assessmentWhy Families Trust Us
Our Promise to You
You're going through enough. Working with us should never add pressure, only clarity.
Free. Always.
Our guidance costs you nothing, ever. Nobody else pays us either, so there is no hidden side to the transaction.
Completely Confidential
Your information stays private. Nothing is shared without your explicit permission.
Zero Obligation
Use our education, take our assessment, then decide anything you want, including working with no one.
No Stake in Your Choice
We earn the same whatever you decide, which is nothing. Keeping the home, selling, or walking away all pay us equally.
How it works
From the letter on your kitchen table to a decision you understand
Five steps, about two minutes of your time, and no obligation at the end of it.
01
The letter arrives
A notice of intention, a complaint, or a sale date. It is designed to feel final. It usually is not, and the options you still have depend almost entirely on which letter it is.
02
Six questions, about two minutes
Where you are in the process, how much time is left, what the property is worth, and whether you want to stay. No account, no cost, and you can skip the contact step and still see everything.
03
You see where you actually stand
New Jersey foreclosure is a court process with defined stages, and each one closes some doors and leaves others open. Most people find they have more time than the letter made it feel.
04
Keep it, or sell it. Both are on the table
If keeping the home is realistic we say so first, and point you at a free HUD counselor or the state mediation program before anything else. If selling is the better answer, you see the fast, the market, and the free routes side by side.
05
You choose, and nobody pushes
Contact whoever fits, or nobody at all. We take no referral fees or commissions, so the ordering reflects your situation and not our margin. The one destination we have an interest in is labeled as such.
Or read eighteen situations walked through end to end first. Four of them do not end with the house being saved.
The site is new. The work is not.
We Did This By Hand Long Before There Was a Website
For 7 years before this website existed, we did this work by hand. We have walked more than 1,500 New Jersey homeowners through it. Sitting with New Jersey homeowners facing foreclosure, working out what options they actually had, and connecting them to the companies that could help. This site is that same process, written down so people can find it without having to know us first.
We have used these companies
Every company on this site is one we have placed New Jersey homeowners with directly, more than once. We know how each one communicates, how fast they actually move, and which situations they handle well. That is why they are here.
And we are still paid by none of them
Knowing them well and being paid by them are different things. We take no referral fees, no commissions, and no advertising money from anything on this site. Every cash buyer, nonprofit and government program listed is independently owned and operated with no connection to us. The one exception is Corcoran Sawyer Smith x Builders Resource Center, a brokerage the people behind this guide have an ownership interest in, which is labeled as a related business everywhere it appears so you can weigh it accordingly.
Experience is not a guarantee. What a company did for someone else tells you how they operate, not what they will offer you. Get more than one number, and take anything important to a New Jersey attorney before you sign it.
Why Trust This Guide
Judge Us by What We Disclose
Anyone can post glowing reviews. What is harder, and more useful to you, is having no financial reason to push you in any direction at all.
We take no referral fees, no commissions, and no advertising money from anything on this site, and we have no ownership of or affiliation with any company we mention. Whether you keep your home, sell to a cash buyer, donate the property, or do nothing at all, we receive exactly the same amount, which is nothing.
See every option and who pays us→
A free option, every time
Every set of recommendations includes at least one route that earns us nothing, such as HUD-approved counseling or the New Jersey court mediation program. If keeping your home is realistic, we say so before anything else.
Paid by nobody
We take no referral fees, no commissions, and no advertising money from anything on this site. One destination, a brokerage we have an ownership interest in, is labeled as a related business everywhere it appears so you can weigh it accordingly. Everything else is unconnected to us entirely.
Specific, checkable information
New Jersey is a judicial foreclosure state. Your lender must give 30 days notice before filing, and you generally have 35 days to answer a complaint. Verify any of it against your own court documents.
We do not publish homeowner testimonials or aggregate outcome statistics, because we will not print numbers we cannot substantiate.
A Network You Can Rely On
Licensed Attorneys. Proven Real Estate Professionals.
When you're ready, we connect you with experienced professionals who handle foreclosure cases every day, loan modifications, Chapter 13 protection, short sales, and fast cash sales. You choose. They deliver.
Meet Our Professional Network →Free Interactive Tools
See Your Case, Don’t Just Read About It
Four tools you won’t find anywhere else. No signup, no cost, and two of them never even send us your information.
The Case Map
Tap where you are on the line and see what’s true right now, which doors are open, and your free moves.
Open free →
My Battle Plan
Enter your dates, print a one-page plan with YOUR deadlines. Nothing leaves your browser.
Open free →
Myth Busters
Twelve things everyone gets wrong, in a 60-second game. The myths cost people real houses.
Open free →
The Cost of Waiting
Drag the slider and watch fees stack, doors close, and equity leak — month by month.
Open free →
Real Places, Real Offers
Where People Actually Get Out
Understanding your options is the first half. This is the second half: the specific places New Jersey homeowners go to end a foreclosure. Which one fits depends mostly on how much time you have left.
Clik Offer
Use when: A sale date is days away
Local NJ cash buyer that can close in as little as 7 days.
Learn more →FlexibleNJ Offer
Use when: You have a few weeks
Cash offer in 24 hours, closing 10 to 60 days, on your date.
Learn more →DamageFire Home Buyers
Use when: Fire or smoke damage
Buys damaged property as-is, no repairs or cleanup.
Learn more →LuxuryPrivate Sale Group
Use when: Home is $800k+
Discreet off-market sale. No listing, no showings, no commissions.
Learn more →DonateUrbni
Use when: Property is a burden
Nonprofit that takes donated homes and land. We earn nothing.
Learn more →List ItBRC × Corcoran Sawyer Smith
Use when: You have time and want top dollar
Our related business: we hold an ownership interest and benefit if you list here. Their agents specialize in foreclosure-timeline sales — for owners with equity and time, listing often nets the most. Free valuation first.
Learn more →Our brokerage · Related business
This one is ours: the people behind NJ Foreclosure Guide hold an ownership interest in Corcoran Sawyer Smith x Builders Resource Center, a licensed New Jersey brokerage, so we benefit if you list with them. With that on the table: you can list your home with them even in active foreclosure. Their agents specialize in foreclosure-timeline sales — pricing against the case clock, coordinating the judgment payoff, working around sheriff-sale dates — and for owners with equity and enough time, a listed sale is often the exit that puts the most money in your pocket.
The first step costs nothing: a free, no-obligation valuation. A real number changes every decision that follows — whether reinstating is worth it, whether a cash offer is fair, and how much equity a market sale protects. Interview other agents too; we say that on every page.
Which One Is Right for You?
Answer a few questions and we will rank these for your exact situation. If keeping your home is realistic, we will tell you that first, and every result includes at least one option that earns us nothing.
Free Education
Learn Before You Decide
Knowledge is protection. Our guides explain everything in plain English, no legal jargon, no sales pitch.
Foreclosure 101
What is actually happening to your mortgage, what the Fair Foreclosure Act entitles you to, and what to expect at each stage.
Read the guide →All Seven Options Explained
Each solution in detail: what it costs, how long it takes, who it works for, and the stage at which it stops being available.
Read the guide →Quick Cash Sale Guide
How a fast close actually works, what it costs you against a market sale, and the questions to ask before signing anything.
Read the guide →Your Next Step Starts Here
Time matters when facing foreclosure. Get a clear, personalized picture of your options in the next 2 minutes.
Start Free Assessment →Confidential · Free · No Obligation · 2 Minutes
Free Tools & References
Answers You Can Look Up Right Now
No sign-up, no waiting. These work at 2am, which is when most people need them.
All 7 options, compared
One honest table: keep the home or not, speed, cost, credit impact, and when each stops working.
Sheriff sale directory
Where all 21 NJ counties publish sale listings, with verified contacts and your adjournment rights.
Your letter, decoded
Every foreclosure document in the order it arrives: what it means and what to do that week.
Deadline calculator
Enter the date on your newest letter; see the deadlines New Jersey law builds from it.
Net proceeds calculator
What you would walk away with: market sale vs. cash sale vs. catching up and keeping it.
The glossary
Every term from court papers and phone calls, defined in two plain sentences.
Also: how to spot a foreclosure rescue scam · the free Checklist + 45-Day Playbook (PDF) · everything in one place · Guía en español · Commercial property? Start here
Honest Answers
Common Questions
Full transparency, here's exactly how this works.
Is this really free?+
Yes, and here is the full picture so you can judge it yourself. We take no referral fees, no commissions and no advertising money from anyone. You are never charged anything. One destination on this site, Corcoran Sawyer Smith x Builders Resource Center, is a brokerage the people behind this guide have an ownership interest in, so we do benefit if you list with them. It is labeled as a related business on its card, on its page and in your assessment results, and every other option remains open to you, including the free ones that earn us nothing.
Are you a law firm or real estate company?+
The guide itself is an educational resource. We do not provide legal advice, negotiate with lenders, or perform real estate services. The people behind it are affiliated with a licensed New Jersey brokerage, which is disclosed wherever that brokerage appears. Everything else we point you toward is unconnected to us.
Do I have to use any of the companies you list?+
No, and we have no financial reason to prefer that you do. You can find your own attorney or company anywhere, and we would encourage you to compare. The assessment is there to help you understand which type of solution fits your situation. What you do with that is entirely yours.
How quickly can I get connected?+
Take our free assessment (2 minutes) and see which solutions match your situation. Then we can introduce you to qualified professionals in our network who handle this work. Timeline depends on your choice of solution.
Is my information confidential?+
Completely. We never share your information without your permission. You control who sees your assessment results. Everything stays private and secure.
What if I want to explore all 7 solutions?+
Perfect. Read our detailed guides for each option. We explain pros, cons, timeline, and who it works best for, so you can make an informed decision about which direction is right for your situation.