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Lower, NJ - single-family homes for sale
118 of 118 results displayed
- New
$475,000Active2 beds 1 baths51 W New York Avenue, Villas, NJ 08251
MLS# 260313Listed by: HOF REALTY - Open Sat, 11am to 1pmNew
$600,000Active3 beds 1 baths105 Keyport Road, Cape May, NJ 08204
MLS# 260312Listed by: HOF REALTY - Coming Soon
$370,000Coming Soon2 beds 2 baths1609 Jennings Ave, VILLAS, NJ 08251
MLS# NJCM2006764Listed by: EXIT HOMESTEAD REALTY PROFESSIONALS - New
$539,900Active3 beds 1 baths1,232 sq. ft.111 Cardinal Avenue, Villas, NJ 08251
MLS# 260292Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP - New
$619,000Active3 beds 2 baths300 Eldredge Avenue, North Cape May, NJ 08204
MLS# 260284Listed by: EXP REALTY - New
$319,900Active2 beds 1 baths916 sq. ft.406 E Saint Johns Avenue, Villas, NJ 08251
MLS# 260283Listed by: COMPASS RE - AVALON DUNE - New
$520,000Active3 beds 1 baths1,438 sq. ft.115 Kenvil Road, North Cape May, NJ 08204
MLS# 260274Listed by: WEICHERT REALTORS CITY TO SHORE - New
$550,000Active3 beds 2 baths1,700 sq. ft.112 E Drumbed Road, Villas, NJ 08251
MLS# 260272Listed by: COASTLINE REALTY, LLC - New
$439,000Active2 beds 1 baths1,020 sq. ft.48 Spruce Avenue, Villas, NJ 08251-1636
MLS# 260271Listed by: JERSEY CAPE REALTY - New
$1,929,000Active5 beds 3 baths10 Folsom Avenue, Townbank, NJ 08204
MLS# 260260Listed by: JERSEY CAPE REALTY - New
$425,000Active2 beds 1 baths768 sq. ft.134 W Delaware Parkway, Villas, NJ 08251
MLS# 260261Listed by: KELLER WILLIAMS REALTY JERSEY SHORE WC - New
$900,000Active3 beds 1 baths787 Stimpson Lane, Lower Township, NJ 08204
MLS# 260236Listed by: DESATNICK REAL ESTATE LLC - CAPE MAY - New
$360,000Active2 beds 1 baths906 sq. ft.537 Seashore Road, Erma, NJ 08204
MLS# 260229Listed by: DESATNICK REAL ESTATE LLC - NORTH WILDWOOD 
$1,995,000Active4 beds 3 baths2,200 sq. ft.569 New England Road, Lower Township, NJ 08204
MLS# 260209Listed by: JERSEY CAPE REALTY
$499,900Active4 beds 2 baths643 Town Bank Road, North Cape May, NJ 08204
MLS# 260201Listed by: KELLER WILLIAMS REALTY JERSEY SHORE WC- Open Sat, 2 to 4pm
$1,849,000Active5 beds 4 baths892 Weeks Landing Road, Erma, NJ 08204-4622
MLS# 260190Listed by: JERSEY CAPE REALTY 
$329,900Active2 beds 2 baths1,200 sq. ft.1634 Bayshore Rd, VILLAS, NJ 08251
MLS# NJCM2006702Listed by: HOMESTEAD REAL ESTATE CO INC.
$355,900Active2 beds 1 baths590 sq. ft.43 E Weber Ave, VILLAS, NJ 08251
MLS# NJCM2006682Listed by: OVATION REALTY LLC
$619,000Active3 beds 2 baths1,055 sq. ft.300 Eldredge Ave, CAPE MAY, NJ 08204
MLS# NJCM2006690Listed by: EXP REALTY, LLC
$329,000Active2 beds 1 baths720 sq. ft.2715 Bayshore Road, Villas, NJ 08251
MLS# 260177Listed by: SEA ISLE REALTY
$1,100,000Active5 beds 4 baths7 Bottle Creek Drive, Lower Township, NJ 08204
MLS# 260173Listed by: KELLER WILLIAMS MAIN STREET
$675,000Active3 beds 1 baths1,456 sq. ft.17 Schellinger Avenue, Villas, NJ 08251
MLS# 260172Listed by: CENTURY 21 ALLIANCE WC
$799,900Active2 beds 1 baths712 sq. ft.408 Atlantic Ave, WEST CAPE MAY, NJ 08204
MLS# NJCM2006316Listed by: HOMESTEAD REAL ESTATE CO INC.
$479,900Active2 beds 1 baths1,504 sq. ft.217 Mindy, CAPE MAY, NJ 08204
MLS# NJCM2006646Listed by: EXP REALTY, LLC
$349,000Active2 beds 1 baths600 sq. ft.50 Vacation Road, Villas, NJ 08251
MLS# 260148Listed by: TIM KERR SOTHEBY'S INTERNATIONAL REALTY
$2,395,000Active4 beds 3 baths4006 Shore Drive, Cape May, NJ 08251
MLS# 26001802Listed by: COLDWELL BANKER, WYCKOFF/FRANKLIN LAKES
$769,000Active3 beds 2 baths509 Adriatic Avenue, North Cape May, NJ 08204
MLS# 260113Listed by: FARRELL REALTY
$479,900Active4 beds 2 baths1,504 sq. ft.217 Mindy, North Cape May, NJ 08204
MLS# 260106Listed by: EXP REALTY
$550,000Active3 beds 2 baths1,536 sq. ft.100 Oakdale Avenue, Villas, NJ 08251-1331
MLS# 260098Listed by: COLDWELL BANKER SOL NEEDLES REAL ESTATE
$439,900Active3 beds 2 baths1,775 sq. ft.23 W Drumbed Rd, VILLAS, NJ 08251
MLS# NJCM2006606Listed by: REAL BROKER, LLC
$690,000Pending6 beds 2 baths2,391 sq. ft.1601 Franklin Ave, CAPE MAY, NJ 08204
MLS# NJCM2006630Listed by: EXP REALTY, LLC
$690,000Active6 beds 2 baths1601 Franklin Avenue, North Cape May, NJ 08204
MLS# 260089Listed by: EXP REALTY
$329,000Active2 beds 1 baths762 sq. ft.753 Route 9, North Cape May, NJ 08204
MLS# 252979Listed by: COASTLINE REALTY, LLC
$819,900Active4 beds 3 baths2,154 sq. ft.116 W Wilde Avenue, Villas, NJ 08251
MLS# 260080Listed by: EXP REALTY- Open Sat, 10am to 2pm
$1,389,000Active4 beds 3 baths1,966 sq. ft.243 Pinetree Drive, Villas, NJ 08251
MLS# 260072Listed by: SEA HAVEN REAL ESTATE 
$320,000Pending4 beds 3 baths1,326 sq. ft.14 Fulling Mill Rd, VILLAS, NJ 08251
MLS# NJCM2006588Listed by: COLDWELL BANKER REALTY
$289,893Active2 beds 1 baths703 sq. ft.128 Pennsylvania Avenue, Villas, NJ 08251
MLS# 260059Listed by: RE/MAX ONE REALTY
$319,000Pending2 beds 1 baths760 sq. ft.19 Vermont Ave, VILLAS, NJ 08251
MLS# NJCM2006596Listed by: WEICHERT REALTORS CITY TO SHORE
$535,000Active3 beds 1 baths120 Old Mill Drive, North Cape May, NJ 08204
MLS# 260043Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$525,000Active2 beds 1 baths220 Iselin Road, Townbank, NJ 08204
MLS# 260041Listed by: RE/MAX SURFSIDE
$595,000Active3 beds 2 baths1,360 sq. ft.14 Thistle Lane, North Cape May, NJ 08204
MLS# 260031Listed by: KELLER WILLIAMS PRIME REALTY
$595,000Active3 beds 2 baths1,360 sq. ft.14 Thistle Ln, CAPE MAY, NJ 08204
MLS# NJCM2006582Listed by: KELLER WILLIAMS PRIME REALTY
$499,000Active3 beds 2 baths1,632 sq. ft.200 Willow Drive, North Cape May, NJ 08204
MLS# 260029Listed by: COMPASS RE - SIC
$885,300Active3 beds 1 baths1,648 sq. ft.510 Portsmouth Road, Lower Township, NJ 08204
MLS# 260017Listed by: COASTLINE REALTY, LLC
$559,000Active3 beds 2 baths1,820 sq. ft.7 Merganser Court, North Cape May, NJ 08204
MLS# 253565Listed by: KELLER WILLIAMS REALTY - WASHINGTON TWP
$559,000Pending3 beds 3 baths1,820 sq. ft.7 Merganser Ct, CAPE MAY, NJ 08204
MLS# NJCM2006546Listed by: KELLER WILLIAMS REALTY - WASHINGTON TOWNSHIP
$325,000Active3 beds 1 baths19 E Wilde Avenue, Villas, NJ 08251
MLS# 253561Listed by: COASTAL ELITE REALTY
$329,900Active2 beds 1 baths560 sq. ft.229 E Florida Avenue, Villas, NJ 08251
MLS# 253557Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$369,900Active3 beds 1 baths1,047 sq. ft.336 E Miami Avenue, Villas, NJ 08251
MLS# 253553Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$399,000Active2 beds 1 baths768 sq. ft.210 Cedardale Avenue, Villas, NJ 08251
MLS# 253544Listed by: CITY & SUBURBAN REAL ESTATE
$450,000Active3 beds 2 baths1,332 sq. ft.83 Beachhurst Drive, North Cape May, NJ 08204
MLS# 253534Listed by: KELLER WILLIAMS REALTY JERSEY SHORE WC
$335,000Active1 beds 1 baths704 sq. ft.125 E Atlantic Avenue, Villas, NJ 08251
MLS# 253522Listed by: COASTLINE REALTY, LLC
$259,900Active1 beds 1 baths23 E Wilde Avenue, Villas, NJ 08251
MLS# 253509Listed by: WHEATON REAL ESTATE, LLC
$319,900Active2 beds 1 baths19 Vermont Avenue, Villas, NJ 08251
MLS# 253501Listed by: WEICHERT REALTORS CITY TO SHORE
$479,900Active3 beds 1 baths960 sq. ft.87 Rose Lane, Villas, NJ 08251
MLS# 253496Listed by: HOMESTEAD REAL ESTATE CO. INC.
$1,100,000Active3 beds 2 baths1,549 sq. ft.1203 Rosehill Parkway, North Cape May, NJ 08204
MLS# 253493Listed by: COASTLINE REALTY, LLC
$669,900Active3 beds 2 baths1,828 sq. ft.6 N Andrielle Lane, Erma, NJ 08204
MLS# 253491Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$445,000Active3 beds 1 baths890 sq. ft.16 E Drumbed Road, Villas, NJ 08251
MLS# 253467Listed by: CENTURY 21 ALLIANCE - NCM
$395,000Active2 beds 1 baths600 sq. ft.1614 Star Avenue, Villas, NJ 08251
MLS# 253459Listed by: COASTLINE REALTY, LLC
$659,000Active2 beds 1 baths1,076 sq. ft.506 Adriatic Avenue, North Cape May, NJ 08204
MLS# 253455Listed by: BALSLEY LOSCO REAL ESTATE
$659,000Active2 beds 1 baths1,076 sq. ft.506 Adriatic Ave, CAPE MAY, NJ 08204
MLS# NJCM2006468Listed by: BALSLEY-LOSCO REALTORS
$809,000Active3 beds 1 baths1,600 sq. ft.1122-1124 route 109, Lower Township, NJ 08204
MLS# 253397Listed by: COLDWELL BANKER SOL NEEDLES REAL ESTATE
$365,777Active2 beds 2 baths704 E Tampa Avenue, Villas, NJ 08251
MLS# 253387Listed by: LONG & FOSTER REAL ESTATE, INC NWNJ
$474,950Active2 beds 1 baths650 sq. ft.7 Tulip Avenue, Villas, NJ 08251
MLS# 253372Listed by: FERGUSON-DECHERT, INC
$499,000Active4 beds 2 baths1,452 sq. ft.127 Sheridan Dr, CAPE MAY, NJ 08204
MLS# NJCM2006422Listed by: COMPASS NEW JERSEY, LLC - OCEAN CITY
$489,900Active4 beds 2 baths323 Willow Drive, Erma, NJ 08204
MLS# 253359Listed by: CABRERA COASTAL REAL ESTATE
$424,900Active3 beds 2 baths1,066 sq. ft.226 E New York Ave, VILLAS, NJ 08251
MLS# NJCM2006416Listed by: HOMESTEAD REAL ESTATE CO INC.
$330,000Active2 beds 1 baths30 Pinetree Dr, VILLAS, NJ 08251
MLS# NJCM2006398Listed by: BHHS FOX & ROACH-WASHINGTON-GLOUCESTER
$325,000Active2 beds 2 baths900 sq. ft.107 E Tampa Avenue, Villas, NJ 08251
MLS# 253308Listed by: COASTLINE REALTY, LLC
$399,900Active3 beds 2 baths309 Matthews Avenue, Villas, NJ 08251
MLS# 253283Listed by: FARRELL REALTY - NCM
$789,900Active3 beds 2 baths2,176 sq. ft.53 Summer Circle, North Cape May, NJ 08204
MLS# 253265Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP- $375,000Active2 beds 1 baths762 sq. ft.
753 Route 9, Erma, NJ 08204
MLS# 252979Listed by: COASTLINE REALTY, LLC 
$400,000Active3 beds 2 baths15 Osprey Drive, North Cape May, NJ 08204
MLS# 253244Listed by: COASTAL ELITE REALTY
$549,000Active3 beds 2 baths2,100 sq. ft.135 Sheridan Drive, Erma, NJ 08204
MLS# 253213Listed by: COASTAL ELITE REALTY
$469,000Active3 beds 1 baths203 E Jacksonville Avenue, Villas, NJ 08251
MLS# 253178Listed by: CENTURY 21 ALLIANCE WC
$499,900Active3 beds 2 baths1,564 sq. ft.86 Beachhurst Drive, North Cape May, NJ 08204-3370
MLS# 253170Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$799,900Active2 beds 1 baths712 sq. ft.408 Atlantic Avenue, West Cape May, NJ 08204
MLS# 253157Listed by: HOMESTEAD REAL ESTATE CO. INC.
$474,000Active3 beds 1 baths612 sq. ft.143 Arbor Road, Villas, NJ 08251
MLS# 253151Listed by: HOMESTEAD REAL ESTATE CO. INC.
$549,999Active4 beds 2 baths1,650 sq. ft.939 Myrna Avenue, Erma, NJ 08204
MLS# 253133Listed by: COASTLINE REALTY, LLC
$1,840,000Active4 beds 3 baths514 Baywyn Road, Cape May Beach, NJ 08251-1019
MLS# 253105Listed by: DESATNICK REAL ESTATE LLC - CAPE MAY- Open Sat, 2 to 4pm
$599,000Active3 beds 2 baths118 Shadeland Avenue, Villas, NJ 08251
MLS# 253101Listed by: JERSEY CAPE REALTY 
$349,900Active2 beds 1 baths725 sq. ft.213 Langs Avenue, Villas, NJ 08260
MLS# 253087Listed by: CENTURY 21 ALLIANCE WC- Open Sat, 11am to 1pmNew
$679,900Active4 beds 3 baths2,711 sq. ft.210 Pontaxit Avenue, North Cape May, NJ 08204
MLS# 260237Listed by: CENTURY 21 ALLIANCE - NCM 
$379,000Active2 beds 1 baths612 sq. ft.18 Ellery Road, Villas, NJ 08251
MLS# 253021Listed by: COMPASS RE - AVALON DUNE
$749,900Pending4 beds 2 baths1,080 sq. ft.240 W Pacific Ave, VILLAS, NJ 08251
MLS# NJCM2006098Listed by: HOMESTEAD REAL ESTATE CO INC.
$849,000Active3 beds 2 baths1607 Scott Avenue, North Cape May, NJ 08204
MLS# 252912Listed by: COMPASS RE - AVALON DUNE
$700,000Active3 beds 2 baths134 Arbor Road, Villas, NJ 08251
MLS# 252896Listed by: CENTURY 21 ALLIANCE - NCM
$729,900Active3 beds 2 baths1,470 sq. ft.246 New Jersey Avenue, Villas, NJ 08251
MLS# 252893Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$1,050,000Active4 beds 3 baths1,700 sq. ft.18 Pinewood Road, Townbank, NJ 08204-3902
MLS# 252826Listed by: COLDWELL BANKER SOL NEEDLES REAL ESTATE
$539,000Active3 beds 2 baths1,589 sq. ft.3 Earl Drive, Cold Spring, NJ 08204
MLS# 252785Listed by: COASTLINE REALTY, LLC
$1,999,999Active4 beds 4 baths2,480 sq. ft.132 E North Station, Lower Township, NJ 08204
MLS# 252767Listed by: ATLANTIS REALTY
$688,000Active3 beds 2 baths1,500 sq. ft.206 A Frances Ave, Villas, NJ 08251-0000
MLS# 600431Listed by: FARRELL REALTY
$688,000Active3 beds 2 baths1,500 sq. ft.206 Frances Ave #a, VILLAS, NJ 08251
MLS# NJCM2005834Listed by: FARRELL OCEAN TO BAY REALTY, LLC
$610,000Active3 beds 2 baths1,196 sq. ft.30 W Wilde Avenue, Villas, NJ 08251
MLS# 252719Listed by: DESATNICK REAL ESTATE LLC - LOWER TOWNSHIP
$718,990Pending3 beds 3 baths2,443 sq. ft.21 Cedardale Ct, VILLAS, NJ 08251
MLS# NJCM2005910Listed by: D.R. HORTON REALTY OF NEW JERSEY
$708,990Pending3 beds 3 baths2,443 sq. ft.19 Cedardale Ct, VILLAS, NJ 08251
MLS# NJCM2005912Listed by: D.R. HORTON REALTY OF NEW JERSEY
$384,900Active3 beds 1 baths1,396 sq. ft.207 Old Mill Drive, North Cape May, NJ 08204
MLS# 252600Listed by: RE/MAX SURFSIDE
$2,995,000Active5 beds 5 baths2,850 sq. ft.711 Beach Drive, North Cape May, NJ 08204
MLS# 252584Listed by: HOMESTEAD REAL ESTATE CO. INC.
$379,990Pending3 beds 3 baths1,500 sq. ft.218 Bentz Ave, VILLAS, NJ 08251
MLS# NJCM2005744Listed by: D.R. HORTON REALTY OF NEW JERSEY
$419,000Active4 beds 2 baths1,160 sq. ft.602 Gorham Avenue, North Cape May, NJ 08204
MLS# 252265Listed by: TIM KERR SOTHEBY'S INTERNATIONAL REALTY
$459,000Active3 beds 1 baths1,200 sq. ft.545 Breakwater Road, Erma, NJ 08204
MLS# 252242Listed by: DESATNICK REAL ESTATE LLC - CAPE MAY
$225,000Active2 beds 1 baths1,360 sq. ft.1644 Garfield Street, Villas, NJ 08251
MLS# 260049Listed by: WEICHERT REALTORS CITY TO SHORE
$325,000Active3 beds 1 baths39 E Pacific Avenue, Villas, NJ 08251
MLS# 251986Listed by: CENTURY 21 ALLIANCE WC
$445,000Active3 beds 1 baths118 Old Mill Drive, North Cape May, NJ 08204
MLS# 251958Listed by: CENTURY 21 ALLIANCE WC
$559,000Active3 beds 2 baths1,474 sq. ft.23 Beechwood Avenue, Villas, NJ 08251
MLS# 260014Listed by: COASTLINE REALTY, LLC
$679,990Pending3 beds 3 baths2,443 sq. ft.3 Cedardale Ct, VILLAS, NJ 08251
MLS# NJCM2005502Listed by: D.R. HORTON REALTY OF NEW JERSEY
$559,900Active4 beds 1 baths215 Roseann Avenue, North Cape May, NJ 08204
MLS# 253580Listed by: HOF REALTY
$559,900Pending4 beds 2 baths1,655 sq. ft.215 Roseann Ave, CAPE MAY, NJ 08204
MLS# NJCM2006346Listed by: HOF REALTY
$825,000Active3 beds 2 baths1,691 sq. ft.1500 Franklin Avenue, North Cape May, NJ 08204
MLS# 251855Listed by: CAPE RESORTS REALTY
$3,400,000Active3 beds 3 baths3911 Bayshore Road, North Cape May, NJ 08204
MLS# 252217Listed by: TIM KERR SOTHEBY'S INTERNATIONAL REALTY
$649,000Active3 beds 2 baths1,594 sq. ft.2710 Bybrook Drive, Cape May Beach, NJ 08251
MLS# 251705Listed by: LONG & FOSTER REAL ESTATE, INC CM
$625,000Active3 beds 2 baths1,442 sq. ft.308 Beechwood Drive, Villas, NJ 08251
MLS# 251678Listed by: MONIHAN REALTY, INC
$389,990Pending3 beds 3 baths1,500 sq. ft.204 Bentz Ave, VILLAS, NJ 08251
MLS# NJCM2005274Listed by: D.R. HORTON REALTY OF NEW JERSEY
$459,000Active3 beds 2 baths1,260 sq. ft.323 E Pacific Avenue, Villas, NJ 08251-2637
MLS# 252783Listed by: COLDWELL BANKER JAMES C OTTON REAL ESTATE - CMCH- Open Sat, 2 to 4pm
$2,099,000Active5 beds 4 baths892 Weeks Landing Road, Erma, NJ 08204-4622
MLS# 251450Listed by: JERSEY CAPE REALTY 
$1,900,000Active4 beds 2 baths1,396 sq. ft.601 Seagrove Avenue, Cape May Point, NJ 08212
MLS# 250916Listed by: LONG & FOSTER REAL ESTATE, INC CM
$1,195,000Active4 beds 2 baths1,508 sq. ft.610 Sunset Boulevard, Lower Township, NJ 08204
MLS# 250736Listed by: LONG & FOSTER REAL ESTATE, INC CM
$449,900Active3 beds 1 baths3206 Holly Road, North Cape May, NJ 08204
MLS# 240370Listed by: RE/MAX 2000
Local realty services provided by:Better Homes and Gardens Real Estate Maturo, Better Homes and Gardens Real Estate Premier, Better Homes and Gardens Real Estate Coccia Realty
The data relating to the real estate for sale on this web site comes in part from the Internet Data Exchange Program of the NJMLS. Real estate listings held by brokerage firms other than Better Homes and Gardens Real Estate Coccia Realty are marked with the Internet Data Exchange logo and information about them includes the name of the listing brokers. Some properties listed with the participating brokers do not appear on this website at the request of the seller. Listings of brokers that do not participate in Internet Data Exchange do not appear on this website.
All information deemed reliable but not guaranteed. Last date updated: February 10, 2026. Source: New Jersey Multiple Listing Service, Inc.
2026 New Jersey Multiple Listing Service, Inc. All rights reserved.
Neighborhoods near Lower, NJ
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© 2026 Better Homes and Gardens Real Estate LLC. An Anywhere Real Estate company. All rights reserved. Better Homes and Gardens® Real Estate is a registered trademark owned by Meredith Operations Corporation, licensed to Better Homes and Gardens Real Estate LLC and used with permission. Better Homes and Gardens Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Listing information is deemed reliable but is not guaranteed accurate.
Each office is independently owned and operated.
Any services or products provided by third parties are not provided by, affiliated with or related to Better Homes and Gardens Real Estate LLC, or its affiliated companies.
Protect your home and budget from life's surprises with an Assurant Home Warranty, backed by a partner that supports you through every step of homeownership. Explore Plans.
© 2026 Better Homes and Gardens Real Estate LLC. An Anywhere Real Estate company. All rights reserved. Better Homes and Gardens® Real Estate is a registered trademark owned by Meredith Operations Corporation, licensed to Better Homes and Gardens Real Estate LLC and used with permission. Better Homes and Gardens Real Estate LLC fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Listing information is deemed reliable but is not guaranteed accurate.
Each office is independently owned and operated.
Any services or products provided by third parties are not provided by, affiliated with or related to Better Homes and Gardens Real Estate LLC, or its affiliated companies.