We Buy Houses for Cash in New Jersey

New Jersey homeowners face high property taxes, town-by-town resale requirements and, for some, a slow foreclosure process. If you would rather skip the repairs, the showings and the wait on a buyer's mortgage, Swifty Home Buyers buys New Jersey houses for cash, as-is. Here are the New Jersey rules worth knowing before you choose how to sell.

We buy houses in all 50 states. This guide covers the rules that matter in New Jersey.

New Jersey charges sellers a Realty Transfer Fee when the deed is recorded. The fee is graduated by price. For standard sales of $350,000 or less it is $2.00 per $500 up to $150,000, $3.35 per $500 from $150,000 to $200,000, and $3.90 per $500 from $200,000 to $350,000. For sales above $350,000 the rates are higher: $2.90, $4.25 and $4.80 per $500 across the first tiers, then $5.30 per $500 from $550,000 to $850,000, $5.80 per $500 from $850,000 to $1,000,000 and $6.05 per $500 above $1,000,000. Homes sold for more than $1 million also face an additional graduated fee. Reduced rates apply to some seniors, blind or disabled persons and low-and-moderate-income housing. The New Jersey Division of Taxation publishes the current table and a calculator. In a cash sale to Swifty there are no agent commissions, and we put the numbers in writing before you commit.

New Jersey foreclosures go through the courts, and a lender generally has to send a notice of intent to foreclose before filing. Legal Services of New Jersey notes that homeowners often have roughly 8 to 13 months to act once a foreclosure begins. New Jersey also runs a free court foreclosure mediation program, and Legal Services of New Jersey advises submitting a request within 60 days of the complaint to start conferences with your lender. Selling the house before a sheriff's sale can pay off the loan and may let you keep your equity. Talk to a New Jersey attorney or a housing counselor about your deadlines.

• Sell as-is
• Inherited house
• Foreclosure
• Tenants or rental property