Sell Your Foreclosure House Fast in New Jersey

New Jersey is a strictly judicial foreclosure state, meaning every foreclosure must pass through the Superior Court — specifically the Chancery Division, General Equity Part — before a lender can take your home. The process typically begins with a Notice of Intent to Foreclose sent at least 30 days before filing suit (required under N.J.S.A. 2A:50-56), and from that point the full timeline from filing to sheriff's sale commonly runs 12 to 36 months depending on court backlog, contested filings, and whether the loan is subject to the Fair Foreclosure Act (N.J.S.A. 2A:50-53 et seq.), which applies to most residential mortgages. After a Final Judgment of Foreclosure is entered, a sheriff's sale is scheduled, but homeowners retain the right to redeem the property by paying the full judgment amount up until the moment the sheriff's sale is confirmed by the court — New Jersey does not set a fixed post-sale statutory redemption period by statute for most residential foreclosures, making pre-sale action critical. Throughout the process, homeowners have the right to request a loan modification through the court's Foreclosure Mediation Program, contest the complaint, and receive proper notice at every stage, so understanding where you are in the timeline is essential to knowing your options.

• 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