Facing foreclosure in New Jersey? You have more options than you think. Sargent Homes has helped hundreds of NJ homeowners stop foreclosure and avoid sheriff sale.\n\n## How to Stop Foreclosure in NJ\n\nThere are several ways to stop foreclosure in New Jersey:\n\n### 1. Sell Your House for Cash Before Foreclosure\nThe fastest way to stop foreclosure is to sell your house before the sheriff sale. A cash buyer like Sargent Homes can close in as little as 7 days, allowing you to pay off your mortgage and walk away with cash.\n\n### 2. Negotiate with Your Lender\nYou may be able to negotiate a loan modification, forbearance, or repayment plan with your lender. Sargent Homes can help you negotiate with your bank.\n\n### 3. Get a Foreclosure Extension\nIn many cases, you can get your sheriff sale date postponed. We've helped homeowners get extensions to buy more time.\n\n### 4. File for Bankruptcy\nFiling for bankruptcy triggers an automatic stay, which temporarily halts the foreclosure process.\n\n## NJ Foreclosure Timeline\n\nNew Jersey is a judicial foreclosure state, meaning the process goes through the courts:\n- **Missed payments** → **Notice of Intent** → **Complaint filed** → **Court proceedings** → **Sheriff sale**\n- The entire process can take 6 months to over a year\n- At every stage, you still have options\n\n## Don't Wait — Act Now\n\nThe sooner you act, the more options you have. Call (848) 220-1830 today for a free consultation. We can help you stop foreclosure and protect your credit.