Frequently Asked Questions

Kevin and LaToya are the founders of HSG Home Solvers Group — a family-owned cash home buying company serving Essex County, NJ. Both born and raised in Newark, they started HSG to give their community a fair, honest alternative to the traditional real estate process. When you call HSG, you get Kevin or LaToya directly — not a call center.

We understand the skepticism — there are a lot of shady operators out there. HSG Home Solvers Group is a real, registered company based at 1812 Front Street, Scotch Plains, NJ 07076. Kevin and LaToya are the real faces behind this business, and our reputation in Essex County matters more to us than any single deal. You're always welcome to verify who we are before ever agreeing to anything.

No. We are not real estate agents and we don't list your property on the MLS. We are direct cash buyers — meaning we purchase your home ourselves. That's why there are no agent commissions, no open houses, and no waiting around for a buyer to come along.

We buy houses throughout Essex County, NJ — including Newark, East Orange, Irvington, Bloomfield, West Orange, Belleville, Montclair, Orange, and Nutley. Not sure if we cover your area? Call us at (908) 651-3011 and we'll let you know right away.

We make honest offers based on the local Essex County market, the condition of your property, and our cost to repair and resell it. Our offer won't match a full retail listing price — because you're trading speed, certainty, and zero out-of-pocket costs for that. But we never lowball without explanation. We walk you through exactly how we arrived at the number so you can judge for yourself whether it's fair.

We start with the After Repair Value (ARV) — what your home would be worth once fully updated. Then we subtract our estimated repair costs, holding and closing costs, and a fair profit margin. What's left is your cash offer. We explain every part of this formula when we present your number. See our full breakdown on the How It Works page.

Within 24 hours of our initial conversation in most cases. We may schedule a quick walkthrough of the property first, but we move fast. We know that when you're reaching out to us, time usually matters.

Absolutely none. Getting a cash offer from us is completely free and carries zero obligation. Take your time, talk it over with your family, and make the decision that's right for you. We will never pressure you to accept.

Yes. If you feel the offer doesn't reflect your property's value, tell us why. We're open to that conversation. Sometimes there's information we didn't have that changes the number. What we won't do is inflate an offer just to lock you in and then reduce it later — a practice known as "bait and switch" that some investors use. Our first offer is our honest offer.

It's three steps: (1) You reach out and tell us about your property. (2) We assess the home and send you a cash offer within 24 hours. (3) If you accept, you pick a closing date and we handle everything from there. No repairs, no cleaning, no paperwork on your end. Full details on our How It Works page.

Not at all. Take what you want and leave the rest. Old furniture, personal belongings, junk in the yard — we handle all of it after closing. You don't need to lift a finger or spend a dollar getting the property ready.

No. We buy homes exactly as they are — damaged roof, water issues, outdated kitchen, foundation problems, fire damage — all of it. The whole point of selling to us is that you don't have to spend money fixing anything first.

Just once. We do a single walkthrough to assess the property — usually Kevin himself. There are no repeated showings, no open houses, and no strangers coming through your home on a schedule. One visit and we're done.

We do. Our team coordinates all the title work, closing documents, and any lien or violation resolution. You don't need to figure out any of the legal or administrative side — we walk you through whatever you do need to sign in plain language.

That's exactly the kind of situation we specialize in. Code violations, tax liens, water and sewer liens, back property taxes — we've dealt with all of it. These issues often completely block a traditional sale, but we work through them as part of our process. Don't let them stop you from reaching out.

Call us as soon as possible — time is critical in foreclosure situations. In many cases we can move fast enough to close before the foreclosure is finalized, which allows you to walk away with cash rather than losing the home and your credit. The sooner you reach out, the more options we have to help.

We buy inherited and probate properties regularly. The process can be a little more complex depending on where things stand with the estate, but we're experienced with it and can walk you through what's needed. If probate isn't finalized yet, we can often start the process and be ready to close as soon as it is.

Not a problem. We buy occupied properties — whether tenants are paying rent or not. We handle the tenant situation after closing so you don't have to deal with it. If you're a tired landlord who just wants out, we can make that happen.

We welcome the whole family to be part of the conversation. Bring your children, a sibling, a trusted friend — whoever needs to be there. We'll answer everyone's questions honestly and without pressure. A big decision like this should involve everyone who matters to you.

We handle divorce situations regularly. We can work with both parties or through attorneys if needed. Our goal is to make the sale as smooth and conflict-free as possible so both sides can move forward. We understand this is an emotionally difficult time and we treat it accordingly.

As fast as 7 days in many cases. If you need more time — 30, 45, or 60 days — we work around your schedule. You pick the closing date that makes sense for your situation. We never rush you out of your home before you're ready.

Payment is made at closing through a licensed title company via wire transfer or certified check — whichever you prefer. The full agreed amount hits your account on closing day. There are no deductions, no surprise fees, and nothing held back.

None. There are no agent commissions, no closing costs on your side, and no hidden fees. What we offer is exactly what you receive. We cover all closing costs ourselves.

Until closing documents are signed, you are not locked in. We understand that situations change and we'd rather you make the right decision for your family than feel trapped. Just let us know as soon as possible if your plans change.

Your existing mortgage is paid off at closing from the proceeds of the sale — just like in any standard real estate transaction. If what you owe is more than what we can offer, we'll have an honest conversation about your options, which may include a short sale or other solutions.