TAILORED Solutions | Divorce, Pre-Foreclosure, Shortsale, Probate Specialist in NJ & NY
Real Estate With Heart
WHO I AM
Welcome to When Life Changes Homes
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I’m Judith Duncan-Christie, and I’m honored to welcome you to a place built for support, clarity, and trusted guidance during life’s most challenging transitions. My team and I specialize in probate, divorce, pre-foreclosure, and short-sale real estate, helping individuals and families find stability—and a path forward—when circumstances feel overwhelming.
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Here, you’re supported by more than just a single Realtor.
You’re backed by a collaborative team of seasoned real estate professionals, including:
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Experienced Realtors trained in sensitive, high-stress transactions
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Trusted attorneys in probate, estate law, and family law
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Financial and mortgage specialists
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Loss-mitigation and credit experts
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Professional organizers, clean-out crews, and contractors
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Well-vetted support resources across NY & NJ
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Together, we provide compassionate expertise, practical solutions, and step-by-step guidance to help you make informed decisions—at your pace, with dignity and peace of mind.
Whether you’re navigating the estate of a loved one, restructuring your life after divorce, facing financial hardship, or needing a fresh start, you don’t have to do it alone.
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My mission is to empower clients facing probate, divorce, or foreclosure transitions. My team and I offer tailored guidance that respects your unique situations and fosters confidence in every decision. We prioritize communication, transparency, and respect for our clients’ circumstances, building trust at every step.
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Welcome.
You’re safe here, and we’re ready to help you find your next chapter.


Niches
I specialize in assisting clients navigating probate, divorce, and pre-foreclosure real estate transactions. Each service is tailored to provide necessary support and guidance.
Areas of Expertise
PROBATE SUPPORT
guiding families through property sales during probate, ensuring a compassionate and smooth process.
DIVORCE SOLUTIONS
Divorce can complicate real estate; I offer neutral guidance to facilitate beneficial outcomes for all parties.
FORECLOSURE ADVICE
We help homeowners understand their options and avoid foreclosure through expert advice and resources.
REAL ESTATE GUIDANCE
My goal is to empower each client to make informed and confident real estate decisions.

Understanding the Process
What Happens in Probate?
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When someone passes away, their property often goes through probate, a legal process to settle their estate.
The court validates the will (if there is one), appoints an executor, and authorizes the sale or transfer of property.
As a real estate professional experienced in probate, I help families:
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Determine property value
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Coordinate with attorneys and executors
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Prepare and sell the home efficiently and respectfully
The goal is to ease the burden during a difficult time and help you move forward with confidence.
Pre-Foreclosure — Your Options Before It’s Too Late
Pre-foreclosure begins when homeowners fall behind on mortgage payments and receive a notice of default.
But it’s not too late to act. During this period, you can often avoid losing your home by:
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Reinstating the loan (catching up payments)
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Negotiating a loan modification
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Selling the property before foreclosure to preserve equity
I help you understand each path, connect with lenders, and find solutions that protect your financial future.
💔 Divorce Real Estate — Moving Forward with Fairness
When couples separate, dividing real estate can be one of the most emotional and complicated steps.
My role is to serve as a neutral, compassionate expert, ensuring both parties are informed and supported.
I assist with:
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Fair market valuations
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Coordinating sales between both sides and attorneys
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Managing timelines and negotiations with empathy and professionalism
The goal is to create a smooth, respectful transition — helping everyone move forward with clarity and confidence.
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💬 Every situation is unique. Let’s talk about your options and find the best path forward for you.
Emotional Support Resources Page
Life transitions can be emotionally overwhelming, and protecting your mental health is essential. If you’re feeling stressed or uncertain at any point during this process, please connect with a licensed mental health professional for support. Your well-being is the foundation of every good decision.
Trusted emotional and crisis resources for New York and New Jersey.
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Grief Support (NY & NJ)
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The Center for Hope (NJ): https://www.centerforhopeandrenewal.com
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COPE Foundation (NY/NJ): https://www.copefoundation.org
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GriefShare (Nationwide, NY/NJ groups): https://www.griefshare.org
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Divorce Healing & Support
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NYC Divorce Support Group: https://www.meetup.com/topics/divorce-support/us/ny/new-york/
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Divorce Support Group of NJ:
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https://www.psychologytoday.com/us/groups/new-jersey?category=divorce
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Womanspace NJ (counseling & support): https://www.womanspace.org
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Financial Stress & Crisis Hotlines
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NJ 2-1-1 Hotline: https://www.nj211.org
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National Foundation for Credit Counseling: https://www.nfcc.org
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Mental Health & Emotional Wellness
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NYC Well (24/7 Support): https://nycwell.cityofnewyork.us
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NJ Mental Health Cares Helpline: https://www.njmentalhealthcares.org
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NAMI NYC: https://www.naminycmetro.org
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NAMI NJ: https://www.naminj.org
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Crisis Support
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National Suicide & Crisis Hotline: https://988lifeline.org (Dial 988)
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Domestic Violence Hotline (NY/NJ): https://www.thehotline.org
18-19 River Road, Ste B
Fair Lawn , NJ , 07410
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1097 State Rte 55 #9, Lagrangeville, NY 12540




