Howard DeRias & Terah Naumchik
Call or Text: 609.878.7773
Serving Southern New Jersey
Distressed Homeowners Have Options
Do Not Face Foreclosure Alone!
You Have Options — We’ll Help You Understand Them
We Help Homeowners in Foreclosure, Pre-Foreclosure & Distressed Situations
Compassionate Solutions. Real Options. A Fresh Start.
We understand that life can take unexpected turns — job loss, illness, divorce, or unexpected financial changes can make it hard to keep up with mortgage payments.
If you’re facing foreclosure, pre-foreclosure, or a distressed property situation, we’re here to help you explore all your options — not pressure you.
Many homeowners don’t realize there are multiple ways to avoid foreclosure and protect their financial future.
We’ll walk you through your choices, such as:
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Loan Modification: Work with your lender to adjust your loan terms.
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Forbearance: Temporary relief while you get back on your feet.
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Short Sale: Sell your home for less than you owe, with lender approval.
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Sell Before Foreclosure: Sell quickly and keep foreclosure off your record.
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Cash Offer Options: Get a fair, fast offer to close on your timeline.
Our team helps you evaluate which path works best for your situation — confidentially and without judgment.
Why Homeowners Choose Us
No Obligation Consultations
You’ll get honest information, not pressure.
Local Market Expertise
We know what your home is really worth, even in tough situations.
Network of Specialists
We partner with lenders, attorneys, and investors to help resolve issues fast.
Respect & Privacy
Your situation stays 100% confidential.
❤️ You Are Not Alone
Facing foreclosure or financial hardship can feel overwhelming — but there are real solutions.
Whether you want to keep your home, sell your home, or simply understand your rights, our goal is to help you make the best decision for your future.
📞 Let’s Talk Confidentially
You don’t have to face this alone.
Reach out today for a private, no-cost consultation — we’ll help you understand your options and take the next step toward relief.
Call/Text: 609.878.7773
Email: HD@NextHomeLifestyleRealty.com