Every Option, Side by Side
These are places New Jersey homeowners can go for help. They are not interchangeable, and choosing the right one is most of the decision. Here is what each is actually for. We are paid by none of them.
Not sure? Take the 2-minute assessmentStart Here · Costs Nothing
If you want to keep your home, or you simply want unbiased advice before deciding anything, start here. We are not paid a cent if you use these.
Use when: You want free, unbiased help before deciding
Free, government-approved foreclosure counseling.
Timeline: Usually same week
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
Use when: A foreclosure complaint has been filed
Court-run mediation for homeowners with a filed case.
Timeline: Runs alongside your court case
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
If Selling Is the Right Move
Which one fits depends almost entirely on how much time you have and what condition the property is in. Speed costs you price. Time earns it back.
Use when: The property has fire or smoke damage
Buys fire and smoke damaged homes in New Jersey, as-is, for cash.
Timeline: Offer within 24 hours, closing date is your choice
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
Use when: You need certainty but have a few weeks
Fast cash offer on a New Jersey home, with a closing date you choose.
Timeline: Offer within 24 hours, closing 10 to 60 days
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
Use when: Home is $800k+ and privacy matters
Discreet off-market sale for higher-value homes, without listing publicly.
Timeline: You set the timeline and terms
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
Use when: A sale date is days or a few weeks away
Local New Jersey cash buyer that can close in as little as 7 days.
Timeline: Offer often on the first call, closing in as little as 7 days
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
When the Property Is a Burden
For a property with little or no equity that costs more to keep than it will ever return. Note that donating does not erase a mortgage.
Use when: The property is a burden with little or no equity
Nonprofit that accepts donated homes and land, and turns them into affordable housing.
Timeline: They guide you through the donation process
We are not paid by them, not affiliated with them, and receive nothing if you contact them. Listed only because it may help you.
We do not. Not from anything on this page. No referral fees, no commissions, no advertising money, and no ownership or affiliation with any company listed here. If you sell to one of these buyers, we receive nothing. If you never contact any of them, we receive nothing. It is the same either way.
You are never charged anything by us, at any point, for anything.
That is the entire design. Because no outcome pays us more than any other, the ordering reflects what we think fits your situation and nothing else. Compare these against options you find on your own, and get more than one offer before you commit to anything.
Answer a few questions and we will rank these for your situation, starting with how much time you actually have. We earn nothing regardless of which you pick.
Get My RecommendationsIndependent, and paid by nobody
We are not paid by anyone listed on this site. No referral fees, no commissions, no advertising money, and no ownership or affiliation with any company we mention. We have nothing to gain from which option you choose, which is the entire reason this resource exists.
help@njforeclosureguide.orgWe read every message and reply within one business day.
Free, no obligation, nothing to sell you. We are not a law firm, a lender, or a real estate brokerage, and nothing here is legal advice.