Twenty years of memories lived inside this home. After facing one of the hardest seasons of his life, my client made the difficult decision to close this chapter and begin again. I’m deeply grateful for his trust and for the opportunity to hel
Another foreclosure story with a better ending. ❤️ This homeowner still had equity to protect, and selling before the auction created a much better outcome. Every situation is different, but one thing is always true: The sooner you understand your
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Foreclosure & Pre-Foreclosure Help · All of New Jersey

Facing Foreclosure
in New Jersey?

Protect your home, your equity, and your options — before it's too late.

You may have more options than you think. If you just want to understand where you stand, I'm here — not to pressure you.

An auction date doesn't always mean it's too late.

Text Viara Schedule a Private Call

or call me right now — (347) 251-8463

The first call is just me listening. You don't need your paperwork, and you don't have to decide anything.

¿Prefieres hablar en español?
Yo también — vea esta página →
★★★★★100+ NJ families helped
✓Licensed NJ agentLicense #2297908
✓$0 upfront — ever
✓Free, private consultation
Viara Bencosme — New Jersey foreclosure specialist
Find yourself in five seconds

Where are you right now?

I've missed some payments

No court papers yet. You have the most options of anyone on this page — and the most time.

Start here → I received a Lis Pendens

The legal process has started, but no auction exists yet. There is still real time to make a plan.

What it actually means → My auction is scheduled

The clock matters now — but scheduled doesn't mean sold. The sooner we talk, the more we can do.

Find my county & sale information →

Not sure which one you are? You don't have to be. That's my job.

Text Viara Schedule a Private Call

or call (347) 251-8463

Free · Private · No obligation

Real families, real doors

What homeowners are saying

Don't take my word for it — hear it from families I've walked with, in their own voices.

★★★★★
— A client, in her own words
★★★★★
— A client's review, over the phone
Auctions postponedLoan modifications approvedShort sales completedEquity protectedFamilies stayed home
Before we go further

I understand why you may be skeptical.

Foreclosure brings out a lot of people who want something from you. You should be careful about who you trust. Here's where I'm coming from — in my own words, about a minute.

Why trust me

Why homeowners across New Jersey trust Viara.

You're being asked to trust a stranger with one of the hardest decisions of your life. That's a fair thing to be careful about. Here's exactly what I bring to that conversation.

🏡

100+ NJ families helped

I've helped more than 100 New Jersey homeowners through difficult situations — foreclosure, probate, inherited properties, and distressed sales.

🤍

Foreclosure-focused experience

Foreclosure works differently from a traditional home sale. It's what I focus on, and I know how the process actually plays out here in New Jersey.

⚖️

Options beyond simply selling

Reinstatement, loan modifications, postponements, traditional sales, short sales. Selling is one path — it is never the only one I'll discuss with you.

📍

Licensed NJ real estate professional

Licensed with Keller Williams City Views Realty in Fort Lee, working statewide. No upfront fees, ever, and no pressure to decide anything.

Consultations in English or Español. ¿Prefieres hablar en español? Vea esta página →

Don't take my word for any of this.

You should check out anyone who knocks on your door during a foreclosure — including me. Here's where you can verify who I am, independently of this website.

★★★★★ 5.0 on Zillow — read the reviews @thesmilingrealtor_

NJ Real Estate License #2297908 — verify my license with the State of New Jersey → Licensed with Keller Williams City Views Realty, Fort Lee. You can meet me at the office.

Depending on your situation

Your options may include:

Not every option fits every situation. Timing matters.

Working with your lender

More time, a repayment plan, or a loan modification — paths that may keep you in your home.

Selling before the auction

Protecting the equity you've built — on your timeline, not the bank's.

A short sale

If there's little or no equity, a short sale may resolve the mortgage before a completed foreclosure. It requires lender approval, and we'd look at whether it actually fits your situation.

A private, off-market sale

A quiet sale without signs on the lawn or public showings, when speed and privacy matter.

And sometimes the first step is simply understanding where you stand. That alone is worth a conversation.

It's simpler than you think

How this works — three steps.

No paperwork to gather. No decision to make today. Just a conversation, and then a plan.

1

Schedule a consultation

Phone, video, my Fort Lee office, or I come to you. It's free, it's private, and it takes about 30 minutes. You don't need to bring anything.

2

Review your options

We look at your numbers together and I walk you through every path that's actually open to you — including the ones that keep you in your home.

3

Create a plan before the auction

You choose the direction. I help coordinate the moving parts and work alongside your lender, attorney, housing counselor, and other professionals when needed — so you're not carrying this by yourself.

Most homeowners tell me they feel better after step one.

Text Viara Schedule a Private Call

or call (347) 251-8463

It starts with one conversation.

No auction date yet?

Then you still have time.

Missed payments, or a document called a Lis Pendens, do not mean you have lost your home or that an auction has been scheduled. Foreclosure in New Jersey goes through the courts, and homeowners often still have many months to make a plan — if they use that time.

Understand the NJ pre-foreclosure process →
Real cases, real outcomes

How this actually goes.

Three homeowners, three different situations — told the way they happened.

"The house was back on auction."Health problems, no plan — and a signed contract at the end.
"Life happens."I knocked. Her brother answered. What came next.
"She didn't want to sell."So we built a backup plan instead.

Three different situations. One thing in common.

Text Viara Schedule a Private Call

or call (347) 251-8463

Asked at a thousand doors

Questions every homeowner asks me

My auction date is already scheduled. Is it too late?
Usually not — and this is the biggest misunderstanding I see. Auction dates in New Jersey are often adjourned, postponed, or resolved before the sale ever happens. The closer the date, the fewer options remain, so the best time to talk is now — but a scheduled auction alone does not mean the story is over.
What if I want to keep my home?
Then that's what we aim for. Options like reinstatement, loan modification, or negotiating time with your lender may be on the table. Selling is one option — it's never the only one I'll discuss with you.
What if I have no equity at all?
You still have options — this is one of the most common situations I see, and it's not a dead end. A short sale may allow you to resolve the mortgage before a completed foreclosure, but it requires lender approval and can still affect your credit and finances. Sometimes a modification keeps you in place instead. And occasionally the numbers are better than a homeowner assumes once we actually run them, because people tend to guess low when they're stressed. We'd look at whether any of it makes sense in your situation.
What is a Lis Pendens? Did I just lose my house?
No, you didn't. A Lis Pendens is a public notice that your lender has started the legal process — nothing has been sold, no auction is scheduled, and you still own your home. In New Jersey, foreclosure goes through the courts, which typically takes many months, sometimes longer. That time is your most valuable asset — if you use it.
How do I know this isn't a scam?
The smartest question on this page — foreclosure brings out predators, and you SHOULD be suspicious of everyone right now, including me. So here's what you can verify: I'm a licensed New Jersey real estate agent with Keller Williams City Views Realty — you can look up my license with the NJ Real Estate Commission, and we can meet at the KW office in Fort Lee. You never pay me anything upfront — ever. I will never ask you to sign your deed over to anyone. And if the best answer for your family is keeping your home, or talking to an attorney or a HUD-approved housing counselor, that is exactly what I'll tell you.
What does it cost to talk to you?
Nothing. Every consultation is free, private, and comes with no obligation. If the best answer for you is a loan modification or keeping your home, I'll tell you that — even though it means we never do a deal together. That's the job.

See all foreclosure questions →

First, the truth

If you're feeling overwhelmed, stressed, or unsure of what to do next — that's normal.

You are not a case number, and you are not the only one this has ever happened to. I've sat at kitchen tables with families feeling exactly what you're feeling right now — and watched those same families walk out the other side with a plan, their dignity, and very often, their equity.

  • Lender letters can be confusing.
  • Auction dates can feel final, but often aren't.
  • If there is equity in your home, acting before the auction may help you protect it.
It may not be too late.
Understanding your options could save time, money, and equity. Every conversation is private, complimentary, and comes with no obligation — whether we ever work together or not.
— Viara
Viara Bencosme sitting in a New Jersey homeowner's living room Viara Bencosme: every morning I pray, God lead me to the people who need my help

Most of this job happens in living rooms and driveways — not offices.

Viara Bencosme, New Jersey foreclosure specialist, smiling
Who's knocking

I show up because I've been in hard seasons, too.

I know how overwhelming this can feel. Most of the homeowners I meet think they've already run out of options — and most of them haven't. They just need someone to sit down and explain what's actually possible.

I'm Viara Bencosme — a New Jersey real estate professional, a mom, and the person behind thousands of door knocks all across this state. I specialize in helping homeowners facing foreclosure, difficult deadlines, and complicated situations — wherever in New Jersey your home is.

I know what it's like when the mail is scary and the math doesn't work. Nobody should have to figure that out alone, from a letter, in legal language. Every case is different — but the sooner we speak, the more time we have to create a plan.

— Viara

This was never about houses. It's about families getting to choose their own next chapter.
— Viara Bencosme
Meet me before we ever talk

This is me, most days.

Doors, driveways, kitchen tables — and a lot of straight answers about foreclosure in New Jersey. No polish, no pressure.

New every week → @thesmilingrealtor_

There's no deadline on this page. Only on the one the bank sent you.

Text Viara Schedule a Private Call

or call (347) 251-8463

Free · Private · No obligation

Rather write it down? Tell me what's going on →

Call Viara Text instead
Viara Bencosme
Sales Associate · Keller Williams City Views Realty
Call/Text: (347) 251-8463 · Office: (201) 592-8900
Email: viara@njforeclosure911.com
@thesmilingrealtor_
No pressure. No judgment.
Just honest answers and a plan
to help you move forward.

Private. Compassionate. Experienced.
You don't have to face this alone.
NJ Real Estate License #2297908 · Each Keller Williams office is independently owned and operated. Equal Housing Opportunity. This website is for informational purposes only and does not constitute legal or financial advice. If you are facing foreclosure, you may also wish to consult an attorney or a HUD-approved housing counselor.