Behind on mortgage payments in New Jersey
Sell your house as-is, on your timeline.
Skip the listing, the showings, and the repair list. Tell us about your property and we will send you a written cash offer within 24 hours — free, with no obligation to accept.
- No commissions or listing fees. We cover standard closing costs.
- No repairs, no cleaning. Leave what you do not want. We handle it.
- You pick the closing date. Two weeks or two months — your call.
- Real people, local to New Jersey. Not a national lead broker.
Get your cash offer
See what you would walk away with. Written offer within 24 hours. Free, no obligation, no credit check.
Side by side
Selling for cash vs. listing with an agent
| Cash sale to us | Listing with an agent | |
|---|---|---|
| Time to close | 2–3 weeks, your date | 60–120 days on average |
| Repairs and showings | None | Usually needed to compete |
| Commissions and fees | $0 | Typically 5–6% plus closing costs |
| What you walk away with | Price minus payoff — on paper before you sign | Closer to retail, minus commissions, repairs, and months more of payments |
The math, on paper
Where the money goes at closing
No repairs, no showings, no commissions, and a closing date you choose. The trade is price: a cash, as-is offer is below full retail value. Here is exactly how the money moves.
| At closing | What happens |
|---|---|
| Purchase price | The written number on your offer. We do not renegotiate it before closing. |
| Mortgage payoff | Paid to your lender from the proceeds, including the missed payments and any late fees they have added. |
| Liens, taxes, judgments | Paid from the proceeds so the title transfers clean. |
| Closing costs | We cover standard closing costs. No commissions. |
| What you receive | Whatever is left after the payoffs above. If the payoffs exceed the price, we tell you before you sign anything. |
Every number goes on paper before you commit. Take it to a lawyer if you want a second set of eyes — we would rather you did. If the payoffs exceed what we can offer, we tell you that on the first call instead of wasting your time.
Straight with you
What we are not
People in your spot get targeted by companies that are not what they claim. So, plainly:
Questions
What homeowners in this situation ask us
How much time do I have?
It depends on where you are in the process. New Jersey uses judicial foreclosure — the lender has to go through the courts — and the whole process commonly takes many months. If you have only missed a payment or two, you have time to work with your servicer or a counselor. If a sheriff sale date is set, the calendar is short and you should call a housing counselor, a lawyer, or us today. We will tell you honestly whether a sale can close before the date.
Will selling to you stop the foreclosure?
A completed sale pays off the loan, and a loan that is paid off is no longer in foreclosure. But we cannot stop, pause, or negotiate a foreclosure on your behalf, and we do not promise a closing before any particular date. Only your servicer, the court, or a modification agreement can change the foreclosure timeline itself.
What if I owe more than the house is worth?
Then a cash sale probably does not work, and we will say so quickly rather than string you along. Your servicer may offer a short sale or a deed in lieu, and a HUD counselor can explain both. Prices in most of New Jersey have risen in recent years, so many homeowners who assume they are underwater are not — the offer will tell you.
Can I stay in the house after I sell to you?
No. We do not do sale-leaseback or rent-back arrangements with homeowners in default. Those deals are the ones New Jersey’s foreclosure-rescue law exists to police, and we stay out of them entirely. When we close, you move; we work with you on a closing date that gives you the time to do that.
Do I need to keep making payments while I decide?
That is a question for your servicer or counselor, not for a home buyer, and we will not advise you either way. What we can say is that nothing about requesting an offer from us affects your loan, your credit, or your standing with the lender.
Is there any cost to find out?
None. No fee to request an offer, no fee if you accept, no fee if you walk away. We make money by buying the house below retail and reselling it later. That is the whole business, and it is why we can be straightforward about it.
Find out what you would walk away with
A written cash offer within a day. Free, no obligation, and every number on paper before you decide anything.
Get My Written Offer