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Three numbers give you a first honest look at your three main paths: selling on the market, selling fast for cash, or catching up and keeping the home.
Sell on the market
$109,000
After ~8% selling costs ($36,000) and paying off $305,000. Usually the most money, and the slowest: typically 60-90+ days, which works when the auction is not close or gets adjourned.
How listing works in foreclosureSell fast for cash
$10,000 – $77,500
Cash buyers in New Jersey typically pay roughly 70-85% of market value, closing in 7-30 days. You are trading price for speed and certainty; that trade only makes sense when time is genuinely short.
Compare cash buyersCatch up and keep it
$170,000
That is the equity you keep by reinstating: paying the $25,000 in arrears (plus fees) to bring the loan current. If the arrears can be raised, from income, family, or a modification that folds them into the loan, keeping the home usually protects the most value.
Ways to catch upThese are first-look estimates. The free assessment turns them into an actual plan by factoring in your timeline, the stage of your case, and what you want.
See My Options, FreeEstimates only, based on the assumptions shown; not an appraisal, an offer, or financial advice. Real mortgage payoffs include per-diem interest, legal fees and costs that grow as a case advances, so request an exact payoff statement from your servicer before deciding anything. Selling costs and cash-offer percentages vary by property and buyer.
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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.
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