Can You Get Your House In New Jersey Back After Foreclosure?

Facing the possibility of foreclosure can be a daunting and distressing experience. If you’re facing the possibility of foreclosure in the future, perhaps you are wondering if can you get your house in New Jersey back after foreclosure. After all, you need a place to live!

Can you get your house in New Jersey back after foreclosure?

The answer to that is yes. Foreclosures in New Jersey operate on a “judicial” system, which means the bank initiates a lawsuit in court to foreclose on your property. Once the foreclosure sale has taken place, the New Jersey Court Rules provide a 10-day period during which the homeowner may file a motion objecting to the sale, as outlined in New Jersey Court Rule 4:65-5.

The New Jersey Supreme Court has established that foreclosed homeowners have the right to redeem their property:

  1. Right within the 10-day period immediately following the sale.
  2. Up until the court issues an order officially confirming the sale if objections have been filed under the rule. This legal precedent is established in the case of Hardyston Nat. Bank v. Tartamella, 56 N.J. 508 (1970).

Despite these legal protections, it’s essential to acknowledge that once the court has ruled in favor of your lender and foreclosure proceedings are set in motion, it becomes increasingly challenging to reclaim your home. However, being aware of the legal framework in place can help you make informed decisions and explore available options.

Instead of wondering if can you get your house in New Jersey back after foreclosure, here’s another option…

The good news is, if you’re not in foreclosure yet, you have options.

The first and best option is to pay off your mortgage or work out a payment plan with your lender. You can try to pay off your mortgage or negotiate a payment plan that suits your current financial situation. Lenders typically prefer to keep you in your house and instead, just collect the money owed to them.

If that’s not an option for you at this time then you may decide to do what a lot of homeowners facing foreclosure are choosing to do: Sell your home before the home is foreclosed upon and pay the lender what is owed to them.

While not an ideal option (because you’ll have to give up your house), it’s still a preferable option to foreclosure because you’ll have cleared up your debt to the bank and you won’t have the long-term impact on your credit score that a foreclosure would have, minimizing the impact on your financial future.

Selling your home before foreclosure can be a wise decision for several reasons. This option is proactive and long-term, which is why homeowners facing foreclosure love it: it’s proactive because you’re taking control of your financial situation; it’s long-term because you’re accepting the short-term discomfort of selling your home in exchange for the long-term benefit of a better credit rating.

Here’s a secret to selling your New Jersey area home fast so the bank can’t take it

You could work at trying to find a buyer to take your home. However, a faster and easier option is to find an investment firm that buys houses as-is for cash, fast. Instead of spending all of your time and energy trying to locate a buyer, there are many companies that can do this for you. Companies like Beacon Realty Investments could buy the house from you very quickly, albeit at a reduced price.


In the face of the distressing prospect of foreclosure, it’s crucial to explore your options and make informed decisions to secure your financial future and peace of mind. While the legal landscape in New Jersey offers certain protections for homeowners, once the foreclosure process is set in motion, it can be an uphill battle to regain your home.

This is where we, Beacon Realty Investments, come in as your reliable partner in challenging times. We understand that selling your home before foreclosure may be a proactive step toward securing your financial stability. We provide a swift and efficient solution for homeowners in New Jersey who are seeking to avoid the long-lasting consequences of foreclosure.

By opting for our services, you can not only expedite the selling process but also gain peace of mind knowing that you’re in the hands of professionals who are dedicated to helping you navigate this challenging situation. We purchase houses as-is for cash, ensuring a quick and hassle-free transaction, so you can focus on your financial recovery. Don’t let the uncertainty of foreclosure weigh you down. Take control of your financial future today.

Simply fill out our form and tell us about your house, or just call us at 609-531-4990 and let us know that you want to sell fast.

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