In Hunterdon County, the sheriff sells foreclosed property after the court case ends. The sheriff's office runs the sales at the county complex in Flemington. The state process before that sale has several deadlines, and they come quickly. This page sets out those dates and shows how a Hunterdon owner can use the time.
No obligation. We respond within 24 hours.
Large homes, old farmhouses and rural lots can be hard to value, and a lender's payoff may be close to or above the price. Owners who carry a big mortgage on a property with septic, well and upkeep needs often look at selling early. This is general information, not legal advice. A housing counselor or real estate attorney should review your papers.
New Jersey Courts says the borrower has 30 days from receipt of the Notice of Intent to pay or arrange an alternative. The window is short. Call the lender, then call a counselor, and keep notes of who said what.
After the lender files the complaint, you have 35 days to answer. Without an answer, the lender can ask for default. Consider talking to a lawyer; the court's own guides say foreclosure cases can be complex.
Mediation is free and the court says to ask early. The request is due within 60 days of service, the home must be your primary residence of one to four units, and all borrowers must agree. The court form says you cannot be in bankruptcy. Housing counselor help starts at NJHMFA, 609-278-7508.
The court form says mediation does not stop a foreclosure case. It is a place to ask about a loan modification or a deed in lieu. Keep your court deadlines while you wait for a session.
After final judgment, the court issues a writ of execution. The sheriff has 150 days from the writ to auction the home, and each side may request two stays. Hunterdon says to check the website or call on the scheduled sale date, since sales can be adjourned.
Sales are open auctions with no sealed bids. The plaintiff opens at $100, and later bids are at least $100 more. The winner posts 20% right away by certified, cashier's or treasurer's check and pays the balance within 20 calendar days. Interest accrues if the balance is unpaid after ten days.
The original owner can redeem within ten calendar days. A sale before the auction may protect equity. Get a written payoff and ask your attorney or counselor whether it fits.
| Stage | Typical time |
|---|---|
| Notice of Intent to Foreclose | 30 days from receipt |
| Answer to the complaint | 35 days |
| Mediation request | Up to 60 days after service of the summons and complaint |
| Sheriff sale after the writ of execution | Sheriff has 150 days to auction |
| Sheriff's deed after full payment | Delivered within 30 days |
| Kaizen cash offer and closing | Offer in 24 hours; close in 14 to 30 days or on your date |
71 Main Street, Building 1, Flemington, NJ 08822 (mail: PO Box 2900)
908-788-1166
Sales are advertised Thursdays in the Hunterdon County Democrat, starting four weeks before the first sale date. Listings also appear online.
Official page609-421-6100
Send mediation requests to the Clerk's Office, Attn: Foreclosure Mediation, P.O. Box 971, 25 Market Street, Trenton.
Official pageSeveral paths may be open. A loan modification from mediation, a payment plan, a deed in lieu, a listing with an agent or an investor sale each suit different facts. A well kept home on a good lot might net the most from a listing, if you have the weeks it takes. A house with deferred upkeep may need a faster route.
Kaizen buys as-is for cash, septic and well included. We make an offer within 24 hours, charge no agent commission, require no repairs, and can close in 14 to 30 days or on your date. We cannot stop or delay a sheriff sale. Only the lender's attorney, the sheriff or the court can. Call 267-329-0084.
Sales are held every other Wednesday at 2 pm at the Main Street County Complex, Building 1, 2nd Floor, 71 Main Street, Flemington. Call 908-788-1166 or check the county website on the sale date, because sales can be adjourned.
Yes. The county says persons expecting to bid should register with the Sheriff's Office before the sale. Sales are open auctions with no sealed bids.
The deposit of 20% is due right away. The balance is due within 20 calendar days of the sale, and interest accrues if it is unpaid after ten days. The sheriff's deed follows within 30 days of full payment.
Not by itself. The court form says mediation does not stop a foreclosure action. It can lead to a loan modification or other deal, but you still need to meet court deadlines and request any stays your attorney advises.
Kaizen makes as-is cash offers and can close in 14 to 30 days or on your date, with no repairs and no agent commission. Whether a closing can beat the auction depends on your lender, the payoff and the court docket. We do not control those.
General information, not legal or tax advice. Rules change; confirm details with the office or a professional.
No obligation. No fees. Just a fair offer from a local buyer.