Foreclosure Avoidance Program

Let New Jersey Home Relief Help You Out of This Difficult Situation

A foreclosure can happen to anyone. Job loss, sudden illness, divorce, excessive debt obligations…can all lead to a pending foreclosure. Our seasoned home relief experts will analyze your situation to determine the most effective and appropriate course of action. We will help you find a solution to your foreclosure problem.

Determining Your Best Solution

No one wants to face a foreclosure. We understand that you are probably under a lot of stress. When you meet with us, we will help put your mind at ease. You will quickly see that there is a light at the end of this tunnel. Together, we will come up with a plan to help you quickly, and with as little financial and emotional stress as possible.

Your tailored plan will depend upon where you stand in the foreclosure process. You may be pre-foreclosure- a foreclosure lawsuit has not yet been filed against you, or post-foreclosure- you have received notice of a pending foreclosure lawsuit. In either situation, our relief experts can help.

Implementing Your Foreclosure Process

Our relief experts will work with your lender to determine a better solution. Trust us, your lender doesn’t want to lose time and money trudging you through litigation. We know every angle and can get your lender to offer a better solution. With New Jersey Home Relief on your side, you have someone in your corner who is here to help.

Schedule your one-on-one free consultation with a home relief expert today to avoid your foreclosure.

Short Sales

Let New Jersey Home Relief Help You Out Of This Difficult Situation

If your property is underwater and you’ve exhausted all other options, selling your home in a short sale may be the only thing left to do in order to avoid foreclosure. A short sale, or a pre-foreclosure sale, is when you sell your home for less than what you actually owe on it and the lender forgives the loan.

Short sales work similar to any other real estate transaction, but they can be tricky. This is because a real estate agent and your mortgage company is involved in the process. The mortgage company has to approve or decline every offer on your home. Sometimes, things can become lost in the shuffle. It is important to have someone like us advocating for you throughout the short sale process. We will make sure things go as smoothly as possible.

There are four types of short sales:


FHA short sales can take about 4 to 6 months to complete, which is an average time for short sales. That time doesn’t include the process to determine if you qualify for a FHA short sale. Banks approve the FHA short sale based on the purchase contract.

HAFA Short Sale

If you choose to use HAFA, you can choose to use either a short sale or a Deed-in-Lieu (DIL) to avoid foreclosure. Unlike a HAFA short sale, a DIL allows you to transfer ownership of the title back to your mortgage company.

Fannie Mae Short Sale

Fannie Mae short sales take longer to close because sellers need Fannie Mae’s approval along with the bank’s approval. Fannie Mae short sales differ from others in that they won’t approve the short sale unless the seller is in default.

Freddie Mac Short Sale

If your loan is owned by Freddie Mac, you may be eligible to participate in their short sale program. Freddie Mac’s short sales simplify the process by allowing qualified servicers to make decisions independently.

We can help you determine if a short sale is right for you. If so, we will guide you through the process every step of the way.

Sometimes with a short sale we can get the person money for moving expenses, security deposit and storage fees. Getting an approved short sale will help with your credit recovery, less damage done to your credit. Short sales are a lot better than a foreclosure and it’s quicker to recover.

Make sure you schedule your one-on-one free consultation with us to avoid short selling your home.

Loan Modification

Know Your Loan Options Quickly With New Jersey Home Relief

With New Jersey Home Relief, our team of experienced mortgage modification professionals are ready and equipped to stand up to your mortgage lender, and will use every tool in their arsenal to obtain a favorable outcome for you. You won’t have to worry about getting the runaround from the bank. You have us on your side!

We are offering a FREE consultation to homeowners like you, do not miss out on this opportunity.

Doing Your Own Loan Modification Can Be Frustrating!

  • Asking for the same paperwork over and over?
  • No response from your lender?
  • Faxing documents again and again?
  • Spending Hours on Hold?
  • Getting the Runaround?
  • Hearing conflicting information every time you call?
  • Never speaking to the same person twice?
  • Waiting and waiting and waiting for answers?

Don’t hesitate any longer, schedule your one-on-one consultation with one of our home relief experts. We are here to help guide you through the loan modification process.