If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it.
Yes. You may be able to sell before a New Jersey mortgage sheriff's sale if the payoff, title work, and closing can be completed in time. New Jersey mortgage foreclosures go through court, and the stage of your case matters. Your notices and case papers show the dates that apply to your house.
USA Home Buyers buys houses in Camden city and Camden County. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. Call us at 888-274-5006 or send the property address through the form. You can call while you are still confirming the sale date or payoff.
We'll give you a written cash offer within 24 hours.
Share the property address and the sale date or payoff information you have.
We buy houses as-is in Camden city and Camden County, New Jersey. We buy houses as-is, in any condition — no repairs, no cleaning, no cleanout required to sell to us. You do not need to repair or clean out the house before asking us to review it.
We give you a written offer and written terms before you commit; closing is through a title company. If you want to move ahead, we work with the title company to review the title and current payoff details and see whether the sale can close before the date in your notice. An offer does not itself change a foreclosure-sale date.
A mortgage foreclosure is a lender's court case over the home loan. After the court enters final judgment, the case may proceed to a public auction called a sheriff's sale. The timeline below is for that mortgage process.
A property-tax sale notice is a different matter, with its own notices and dates. The mortgage deadlines below do not apply to it. Follow the instructions on a tax-sale notice and contact the office named there.
These are general state deadlines, not a countdown for your property. Use the dates in your notices and court papers, and confirm your current case status.
Before filing, the lender must send a Notice of Intention to Foreclose. That notice gives you 30 days to catch up on the debt or ask for foreclosure mediation before the lender can file in court.
After you are served with the complaint, you have 35 days to answer it. If you do not answer or contest the case, it is treated as uncontested. In an uncontested residential case, the lender normally must send a separate notice at least 14 calendar days before submitting proofs for final judgment. That notice explains how to get the amount needed to catch up.
After final judgment, the sheriff can sell the house at a public auction. The sale must be advertised for at least four weeks, and the sheriff has 150 days from the writ of execution—the court order authorizing the sale—to hold it.
Before the sale, you can ask the sheriff for two postponements, each up to 30 calendar days. The lender can get two as well. One more is allowed if both sides agree, and a court can order more for good cause. Check the actual date with the office handling your case; do not assume it has changed.
You generally have 10 days after the sheriff's sale to redeem the house by paying the full amount due, including the judgment and sale costs. This is a post-sale period, not extra time before the auction.
Free foreclosure mediation is available through the courts. The New Jersey Courts foreclosure self-help page explains the process and how to ask about mediation. The New Jersey Courts foreclosure FAQs explain court stages and sale notices.
For the notice before final-judgment proofs, see N.J.S.A. 2A:50-58. For sheriff-sale procedures, see N.J.S.A. 2A:50-64.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.
Ask the lender for a current payoff. The title company can review it with the property and recorded-lien details. The lender decides whether to accept a reduced payoff for a particular case.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. A tax-sale notice still has its own process and dates; this does not change them.
Call 888-274-5006 or send the property address. Tell us what notice you received and the date it gives. You can call while you are still checking those details.
We give you a written cash offer and written terms before you commit.
If you choose to proceed, the title company reviews title and current payoff information with the parties involved. When you sell to us, we pay the closing costs, including New Jersey's realty transfer fee and any applicable graduated percent fee. Mortgage balances, liens, back taxes, and your share of current property taxes are separate.
We work toward closing before the sheriff's sale if the payoff, title, and timing allow it. Keep following the scheduled date unless the office handling the case confirms it has changed.
It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.
Free foreclosure mediation is available through the New Jersey Courts. Read the court foreclosure and mediation information and use the dates in your own case notices.
For a Camden city tax account or payment question, the City Bureau of Revenue Collections lists its City Hall office at 520 Market Street, Room 117. A tax-sale notice has its own process; follow the notice and contact the office named there.
For recorded deeds and mortgages, the Camden County Clerk's online property records are a separate public-record route. The County Clerk is at 520 Market Street, Room 102, Camden, and lists 856-225-5300 as its contact number. A public record is not a current payoff quote or confirmation of a foreclosure-sale date.
Use your own sale and payoff assumptions to estimate possible net proceeds. Open the Camden home-sale net-proceeds calculator as a planning estimate, not a property-specific offer or payoff quote.
If a foreclosure sale is scheduled, tell us the date right away so we can try to close before it. A sale may still be possible if the payoff, title work, and closing can be completed before the current sale date. Keep following the date on your notice unless the office handling the case confirms a change.
New Jersey mortgage cases have separate steps: a notice before the lender files, time to respond after the complaint is served, court proceedings, and—after final judgment—a sheriff sale. The dates in your notices and court record control; the general steps on this page are not a property-specific countdown.
No. A lender’s mortgage foreclosure and a sale process involving unpaid property taxes are different matters with separate notices and deadlines. Follow the process named in your notice and contact the office identified there for a tax-sale notice. Do not apply mortgage-foreclosure dates to a tax sale.
Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before. Ask the lender for a current payoff so the title company can review the amount with the property and lien details. Any lender decision is specific to the transaction.
You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront. A separate tax-sale notice keeps its own dates and process.
Yes. Free foreclosure mediation is available through the New Jersey Courts. Check the court’s foreclosure information and the dates in your case notices for instructions on requesting mediation.
Call USA Home Buyers at 888-274-5006 or send the Camden property address through the form.
We'll give you a written cash offer within 24 hours.
Share the property address and the notice or payoff information you have.