Sheriff sale date on the calendar?
Call or text (973) 520-0243 now. The earlier you call, the more options you have.
Behind on your mortgage in New Jersey? Sell before the sheriff sale and keep your equity.
Whether you've missed two payments or have a sale date from the county sheriff, we can buy your house for cash, pay off the lender at closing, and get whatever equity is left into your hands. Written offer in 24 hours, closing in days if that's what the calendar demands.
- Close before the sheriff sale date
- Mortgage and liens paid from proceeds
- Stop the letters, calls and legal fees
- Stay a few days after closing if needed
You'll deal with Peter, not a call center. Peter has closed on houses days before a scheduled sale. He knows what the Passaic, Bergen and Essex sheriff's offices need to see for an adjournment request. About Peter
Get an offer before the deadline
Tell us the sale date. We work backward from it.
How foreclosure works in New Jersey, and where a cash sale fits
New Jersey foreclosures go through the courts, which makes them slow. That's bad if you're waiting for it to end and good if you want time to sell on your terms.
It starts with a notice, not a sale. Before a lender can file, it has to send a notice of intention to foreclose and give you time to catch up. After filing, there's a complaint, a period to answer, and eventually a judgment before the sheriff schedules a sale. Each stage takes months. At every one of them, you still own the house and can sell it.
The sheriff sale is the deadline that matters. Once the county sheriff sets a date, that's the day the house can be sold at auction to pay the lender. New Jersey gives homeowners the ability to request adjournments, which push the date back, and a signed contract with a real buyer and proof of funds is often what makes that request credible. We provide both.
Equity disappears at auction. Houses at sheriff sale often go for the lender's judgment amount or not much more. Years of accumulated legal fees, interest and costs get paid first. Selling before the sale to a cash buyer means the lender is paid off at closing and the remaining equity comes to you, not to the auction floor.
If you owe more than the house is worth, tell us on the first call. A short sale, where the lender agrees to accept less than the balance, is possible with many lenders and we've done them. It takes longer than a normal closing, so the earlier you start the better. If it isn't realistic, we'll say so instead of tying up your house.
What we can work with
None of these stop us from making an offer.
- Sale date in two weeks We've closed in seven days. Call today, walkthrough tomorrow, contract to title the same day.
- Second mortgage or HELOC All liens are paid from the proceeds at closing in order of priority. You don't negotiate with anyone.
- Property tax lien Tax sale certificates and municipal liens are redeemed at closing. The town gets paid; you're clear.
- Behind on an FHA or VA loan Same process. Government-backed loans sometimes have extra payoff steps; the title company handles them.
- Already have a judgment You still own the house until the sheriff's deed is recorded. A sale can still close in the window before the auction.
- Need to stay after closing A short post-closing occupancy agreement gets you paid now and moved on a realistic date.
Selling a house in pre-foreclosure, step by step
- Call with the date. Sheriff sale date, or how many payments you've missed. We'll tell you honestly whether the timeline is workable.
- Walkthrough and written offer in 24 hours. We also request a payoff figure from your lender with your permission, so the offer shows your actual net.
- Contract to title immediately. If a sale date is close, your attorney or ours files for an adjournment with the contract and our proof of funds attached.
- Close, lender paid, you paid. The title company wires the lender the payoff and wires you the rest. The foreclosure is dismissed.
Full process detail on How It Works.
Questions we hear about this
Can you really stop a sheriff sale in New Jersey?
Often, yes. Adjournments are commonly granted when there's a signed contract and a buyer with funds. Nothing is guaranteed and the closer the date, the harder it gets, so call as early as you can.
Will selling hurt my credit less than foreclosure?
Generally a completed foreclosure is one of the most damaging items on a credit report. A sale that pays the lender in full shows as a paid mortgage. A short sale sits in between. Talk to a credit counselor for specifics.
Do I have to pay you anything if it doesn't work out?
No. No fees, no obligation, ever. If we can't close in time, you owe us nothing.
What if I've already moved out?
We buy vacant houses. We can walk it with a key or a lockbox and close remotely with a mobile notary.
Can I get help without selling?
Maybe. NJ has housing counseling agencies and court mediation programs for foreclosure. We'll point you to them if that seems like the better route.
Related situations
Where we buy
Passaic County · Bergen County · Essex County · Morris County · Union County · Hudson County · every other NJ county. Local pages for Wayne, Clifton and more.
Get a number before the sheriff does
Written offer in 24 hours. Closing in days. No fees.