Homes purchased for cash by Kaizen Home Buyers

Facing Foreclosure

Facing Foreclosure? We Can Help You Keep Your Equity.

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Modest New Jersey split-level during a mortgage foreclosure

Start with the facts, not the pressure

A missed payment, an Act 91 notice, a foreclosure complaint, a final judgment, and a scheduled sheriff sale are different stages. The document in your hand controls the next deadline, so read its title, date, court or servicer information, and instructions before choosing a sale route. Pennsylvania's Housing Finance Agency tells homeowners to contact the servicer and a housing counselor as soon as possible. It says a timely HEMAP application within 33 days of an Act 91 notice can pause further lender action while the application process remains timely.

New Jersey uses a judicial process. NJ Courts explains that a lender files a complaint after its pre-complaint notice period and that a defendant generally has 35 days to respond after service. A sale contract does not replace an answer, motion, workout, or request for legal help. Kaizen can estimate an as-is purchase and work toward a title-company closing, but only the lender, plaintiff's attorney, sheriff, or court can confirm what action has been postponed or stopped in the case.

The Problem

Foreclosure timelines are strict and unforgiving. Every day you wait, you risk losing your home — and your equity — to the bank. Legal fees pile up, your credit takes a hit, and the stress is overwhelming.

How Kaizen Helps

We can close in 14-30 days, stopping the foreclosure process and putting cash in your hands. No repairs, no fees, no waiting for a buyer who might not show up.

Sell in 3 Simple Steps

Tell Us About Your Property

Fill out our quick form or give us a call. It takes less than 2 minutes.

Get Your Cash Offer

We'll research your property and make a fair, no-obligation cash offer within 24 hours.

Close on Your Timeline

Pick your closing date — typically 14-30 days. We handle all paperwork and closing costs.

A practical process for facing foreclosure

Identify the notice and exact stage

Gather the latest servicer letters, Act 91 notice if in Pennsylvania, summons and complaint if served, court docket information, judgment, and any sheriff-sale notice. Record the dates and contact information exactly. Do not rely on an envelope label, a third-party caller, or a verbal promise that paperwork can wait. A housing counselor or foreclosure attorney can explain the legal response. We use the same documents to understand whether a sale timeline is still practical and which parties need payoff information.

Review retention options before giving up the home

Ask the servicer what application or workout options are available and what complete package it needs. PHFA lists repayment, forbearance, payment deferral, and HEMAP among possible Pennsylvania retention paths, with eligibility depending on the loan and household facts. A homeowner who wants to stay should compare those paths before treating a sale as inevitable. Kaizen does not qualify borrowers for assistance, negotiate a modification, or advise whether bankruptcy or litigation is appropriate.

Calculate payoff, equity, and a realistic sale window

Request current mortgage figures through the proper channel and identify property taxes, association balances, judgments, and other recorded claims. Then compare the likely sale price with the amount needed to close and the time remaining before the next case event. A retail list price is not available cash. It still depends on a buyer, contingencies, and settlement. Our offer deducts repairs and resale risk, but it gives the title company a specific contract to test against payoffs and the proposed closing date.

Coordinate closing with the foreclosure parties

If you accept a purchase offer, provide the contract to the attorney or servicer handling the case and let the settlement company order official payoffs. Keep following every notice until the authorized party confirms a change in writing. The closing must fund, valid claims must be handled, and the deed must record according to the settlement plan. An unsigned draft, deposit, inspection, or promised closing date does not by itself cancel a complaint, judgment, or scheduled sale.

Your options compared

For facing foreclosure, the right route depends on time, condition, authority, and the net result you can actually close.

Route	When it fits	Preparation and timing	Main tradeoff
List with an agent	Best when there is enough verified time, the expected equity supports retail costs, and the property can attract a buyer who will meet the legal deadline.	Pricing, access, disclosures, showings, inspections, appraisal, repair negotiations, and lender underwriting all have to fit the case calendar.	Retail exposure may produce a higher price, but an asking price and accepted financed offer do not guarantee timely funding.
Sell it yourself	Possible when the owner can price accurately, verify funds, manage documents, and coordinate the buyer with title and foreclosure contacts quickly.	You handle marketing, buyer screening, access, disclosures, negotiation, contract support, payoffs, and deadline communication.	Avoiding an agent commission may improve the net, but buyer-performance and financing risk remain during a time-sensitive case.
Direct cash sale	Useful when the home needs work or a shorter, defined path matters more than testing the full retail market.	Kaizen reviews the property as-is and the title company checks whether the price and timeline can satisfy the required closing items.	The offer is lower than possible retail value, and only written confirmation from the authorized foreclosure party establishes that the case or sale changed.

Facing Foreclosure questions

Will accepting a cash offer stop foreclosure?

Accepting a cash offer does not stop foreclosure by itself. A contract gives the settlement team a proposed transaction, but it does not stop court or lender action. Continue responding to notices. The lender, plaintiff's attorney, sheriff, or court must confirm any postponement, payoff, dismissal, or other case change through the proper process.

What should I do with a Pennsylvania Act 91 notice?

Read it immediately and contact an approved housing counseling agency listed in the notice. PHFA says a timely HEMAP application made within 33 days can prevent further lender action while the application remains on schedule. Ask a counselor or attorney how that guidance applies to your file.

How long do I have to answer a New Jersey complaint?

NJ Courts states that a defendant generally has 35 days after service to answer. Do not use this page to calculate your deadline or decide what to file. Read the summons and get legal help because service facts, extensions, and the posture of a particular case can change the required action.

Can Kaizen buy the home if the mortgage exceeds the offer?

A normal closing needs a way to deliver the required title and address the lender's claim. That might require other funds or a lender-approved disposition such as a pre-foreclosure sale, depending on the facts. PHFA lists that as a possible option, but only the servicer can evaluate approval.

How fast can a foreclosure purchase close?

Kaizen commonly targets 14 to 30 days, but foreclosure files can require payoff updates, attorney coordination, court or sheriff communication, title clearance, and several owners' signatures. We compare those needs with the next documented deadline before proposing a date. We won't claim that speed alone controls the case.

“I was two months behind on my mortgage and the bank was starting foreclosure. Kaizen gave me a fair offer and closed in 10 days. They saved my credit and I walked away with cash. I can't thank them enough.”

Maria T.

Philadelphia, PA

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