Sell Your Behind on Payments House Fast in New Jersey

New Jersey is a judicial foreclosure state, meaning your lender cannot foreclose without going through the Superior Court — a process that, even after missing your first payment, typically takes 12 to 24 months or longer before a sheriff's sale ever occurs. Under N.J.S.A. 2A:50-56, lenders must send a Notice of Intention to Foreclose at least 30 days before filing a complaint, and that notice cannot go out until you are at least 30 days past due — so the court process does not even begin until roughly 60 or more days after your first missed payment. Once a foreclosure complaint is filed in the Superior Court, Chancery Division, you have 35 days to respond, and the state's mandatory foreclosure mediation program gives homeowners a formal opportunity to negotiate loan modifications, repayment plans, or other alternatives before a final judgment is entered. If you are behind on payments, you have more runway in New Jersey than in most states, but the clock is running, and selling directly before a final judgment or sheriff's sale date can protect your equity and your credit far better than letting the process run to completion.

• Cash offer within 24 hours
• Close in 7 days or on your schedule
• Buy as-is — no repairs required
• We pay all closing costs
• No agents, no commissions