I work for a non profit housing counseling organization...
In good times, as well as bad times, NJ has averaged 15,000
mortgage foreclosures each year. We have judicial foreclosure
in NJ, which takes about a year from default (missed payments)
until the property is exposed to public auction.
Recently, mind boggling appreciation of value, (something I like to
call articifial equity) combined with relaxed lending criteria,
people have been able to refinance their way out from under, or
sell to avoid the forced, public sale.
Feel free to visit: www.ForeclosureFocusNJ.com
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