Will you be listing my house on the MLS or actually buying it?

We are direct cash buyers — not real estate agents. We won't list your house on the MLS or represent you in a sale. We simply buy your home directly from you, with no middlemen involved.

How do you determine the price to offer on my house?

Our process is straightforward and transparent. We look at the property location, what repairs are needed, the current condition, and values of comparable homes sold nearby. We combine all of that to arrive at a fair cash offer that works for both of us.

Is BHS Offer legitimate? How do I know you're not a scam?

We have 2000+ closed transactions since 2015. We provide proof of funds, references, and a standard purchase agreement before you sign anything. See our Terms of Service for full buyer disclosures.

Are there any fees or commissions?

Zero. We pay all standard closing costs. There are no commissions, no agent fees, no hidden costs. The number we offer you is the number you walk away with. See how our process works.

What if my house needs major repairs?

We buy houses in any condition — including ones that need major work, fire damage, mold, or long-vacant properties. You don't lift a finger. We handle everything after closing.

What if I'm behind on my mortgage or in foreclosure?

We work with sellers in these situations regularly and can often close before a foreclosure sale date. The sooner you contact us, the more options we have.

How fast can you actually close?

As fast as 7 days for cash deals where title is clean. Typical closings are 14–30 days. You pick the date.

Do I have to accept the offer?

Absolutely not. The offer is 100% no-obligation. Take it home, sleep on it, compare it. We never pressure you.

How will you contact me after I submit?

By phone, text, and/or email — using the contact details you provide. Some calls may use automatic dialing systems or AI-generated voice agents. Full TCPA disclosure here. You can opt out at any time.

What areas do you buy in?

All of New Jersey, the Philadelphia metro area, and all of Delaware. If you're not sure if we cover your area, just submit your address — we'll let you know right away.

ForeclosureJanuary 29, 2026

How to Stop Foreclosure in New Jersey: Your Options Explained

You can stop foreclosure in New Jersey in several ways, and you usually have more time and more options than it feels like in the moment. The main paths are reinstating the loan by catching up on what you owe, negotiating a loan modification or repayment plan with your lender, selling the home through a short sale, or selling it outright for cash before the sale date. New Jersey is a judicial foreclosure state, meaning the process goes through court and takes months, which gives you real room to act.

How long does foreclosure take in New Jersey?

Because New Jersey requires lenders to foreclose through the courts, the timeline is typically one of the longest in the country, often well over a year from the first missed payments to a sheriff's sale. You will usually receive a Notice of Intent to Foreclose at least 30 days before a complaint is filed, followed by a court process with deadlines you can respond to. The practical takeaway is simple: the earlier you understand your options, the more of them stay open to you. Waiting until the final weeks narrows what you can do.

What is reinstatement, and can I just catch up on payments?

Reinstatement means paying the total past-due amount, including missed payments, late fees, and legal costs, in a single lump sum to bring the loan fully current. In New Jersey you generally have the right to reinstate up until shortly before the sheriff's sale. This is the cleanest fix if you have access to the funds, perhaps through savings, family, or a resolved income gap, because the loan simply continues as if nothing happened. If a lump sum is not realistic, the options below spread the burden out instead.

What if I cannot pay the full amount at once?

If reinstatement is out of reach, the next step is to contact your loan servicer directly and ask about loss-mitigation options. Lenders often prefer keeping you in the home over the cost and delay of foreclosure, so it is worth the conversation even when it feels intimidating.

Loan modification: permanently changes your loan terms, such as the interest rate or length, to lower the monthly payment
Repayment plan: spreads your past-due balance across several months on top of your regular payment until you are caught up
Forbearance: temporarily pauses or reduces payments if your hardship is short-term, with the paused amount repaid later
Refinancing: replacing the loan with a new one, which depends on your equity and credit

What is a short sale, and when does it make sense?

A short sale is when your lender agrees to let you sell the home for less than the remaining mortgage balance. It makes sense when you owe more than the home is worth and keeping it is no longer feasible. A short sale generally does less damage to your credit than a completed foreclosure and lets you exit on your own terms, but it requires lender approval and can take time to negotiate, so it works best when you start early rather than days before a sale date.

Can selling my house stop the foreclosure entirely?

Yes. If you have equity in the home, selling before the sheriff's sale lets you pay off the loan in full, stop the foreclosure, and keep whatever is left over instead of losing it. The challenge is speed: a traditional listing with repairs, showings, and financing can take months you may not have. A cash sale can close in days to a few weeks, which is often the deciding factor when a sale date is approaching.

This is where selling to a direct cash buyer can be a practical exit. Because there are no repairs, no agent commissions, and no financing contingencies, a cash purchase can often close fast enough to beat the sale date and pay off the lender. how selling your house can stop foreclosure

What should I do first if I am behind on payments?

Start by opening every letter from your lender and the court, because the deadlines inside them define your options. Then talk to your servicer about loss mitigation, and consider speaking with a HUD-approved housing counselor, whose help is free. Compare what you would net from each path, including keeping the home versus selling it. The goal is a clear-eyed decision made with information, not fear.

Bridge Home Solutions has helped New Jersey, Philadelphia metro, and Delaware homeowners since 2015, buying houses for cash with no fees and closings in as little as 7 to 30 days. If selling quickly looks like the right path for your situation, reach out and we will walk you through your options at your pace, with no pressure.

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