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New Jersey Foreclosure Law

If you are in foreclosure in the state of New Jersey, we help stop foreclosure in New Jersey. If you would like to avoid foreclosure and keep your home in New Jersey, UCMA offers foreclosure help in New Jersey. For additional information, please click on our Home page, thank you.

Avoid New Jersey Foreclosure - Quick Facts

- Judicial Foreclosure Available: Yes
- Non-Judicial Foreclosure Available: No
- Primary Security Instrument: Mortgage
- Timeline: Typically 90 days
- Right of Redemption: Yes
- Deficiency Judgments Allowed: Yes

In New Jersey, lenders may foreclose on a mortgage in default by using the judicial foreclosure process.

Judicial Foreclosure

Generally, in judicial foreclosure, a court decrees the amount of the borrowers debt and gives him or her a short time to pay. If the borrower fails to pay within that time, the clerk of the court then advertises the property for sale.

Once the process begins, a foreclosure notice must be: 1) posted in the county office of the county where the property is located; 2) posted on the property in foreclosure; and 3) published in two (2) newspapers in the county. The lender must also notify the borrower at least ten (10) days prior to the foreclosure sale.

It is possible for the lender to obtain a deficiency judgment and borrowers have a right to redemption and/or objection within ten (10) days after the sale. How to stop foreclosure in New Jersey.

More information on New Jersey foreclosure laws.

Stop foreclosure and get foreclosure help in New Jersey and in Bayonne, Bloomfield, Camden, Clifton, East Brunswick, East Orange, Edison, Elizabeth, Hackensack, Irvington, Jersey City, New Brunswick, Newark, Passaic, Paterson, Perth Amboy, Plainfield, Toms River, Trenton, Union, Union City, Vineland, Wayne, West New York, West Orange and in the surrounding cities in New Jersey.