Fazzio Law Offices, LLC · Hudson County, NJ
Hudson County Foreclosure Defense Attorneys
Your home, your neighborhood, your next step. We help Hudson County homeowners respond to foreclosure, pursue workable mortgage solutions, and address an approaching sheriff’s sale.
Your home. Your options.
A strategy grounded in your situation.
From Jersey City and Bayonne to the waterfront communities and the Meadowlands, a foreclosure can put more than an address at risk. Your home may also be a condominium, a multi-family property, or the source of rental income your household depends on.
We review the mortgage and court record alongside the realities of the property: payment disputes, association charges, additional liens, and income documentation. The goal is a strategy built around your circumstances and what you want to achieve.
Meet Fazzio Law Offices →How we can help
Legal defense and practical mortgage solutions.
Foreclosure defense
Review the plaintiff’s claims, loan records, notices, and potential defenses. Address filings and court deadlines with a plan for the case.
Explore foreclosure litigation →Loan modification
Evaluate a mortgage workout and help prepare a documented request based on your income, hardship, and the servicer’s requirements.
Explore loan modification →Sheriff’s sale response
Review the judgment, sale status, and any available adjournment or court relief. Timing and eligibility depend on the facts of the case.
Explore sheriff’s sale options →Short sale and alternatives
If keeping the property is no longer workable, assess a sale, settlement, or another transition with attention to the debt and title issues.
Explore short sales →Where are you in the process?
The stage of the case shapes the next step.
Default notices or missed payments
Review the notices, reconcile the account, and consider loss mitigation before the situation progresses.
Served with a foreclosure complaint
New Jersey’s court instructions generally give a defendant 35 days after service to answer. Review the papers promptly. Eligible homeowners generally must request foreclosure mediation within 60 days after service; a later request requires a court order.
Judgment or a scheduled sale
Bring every notice and order. We assess the current case status, deadlines, and whether any relief remains available. A pending modification request should not be assumed to stop a sale.
Hudson County General Equity
Judge Mary K. Costello: background and available decisions
Judge Mary K. Costello serves in Hudson County General Equity. The New Jersey Supreme Court designated her Presiding Judge of General Equity effective April 1, 2021. Her earlier civil work includes decisions made available through the Judiciary’s Complex Business Litigation Program.
For readers interested in that background, the Judiciary lists RCS Logistics, Inc. v. Expolanka US, LLC, HUD-L-2668-17 (March 13, 2019), and Oklahoma Firefighters Pension v. Newall Brands, HUD-L-3492-18 (November 1, 2019). Both are listed as unpublished trial decisions. These business cases provide background on her judicial work; they are not foreclosure rulings or predictions about a homeowner’s case.
“Publicly available” does not mean “published precedent.” Counsel must assess an opinion’s status and permissible use. Confirm the judge assigned to your matter from the docket and current court notices.
Protecting the value in your home
Home equity matters—but it needs to be documented
A homeowner can be behind on payments and still have substantial equity. That makes an early review of value, debt, and the time needed to sell or refinance especially important. Equity may support a practical proposal to preserve value, but it does not by itself defeat foreclosure or require the court to postpone a sale.
Start with a realistic current value, then deduct the mortgage payoff—not just the principal shown on a statement—other mortgages, taxes, judgments, and anticipated transaction costs. For illustration only: a $700,000 value less a $450,000 payoff, $25,000 in other obligations, and $45,000 in sale costs leaves approximately $180,000. The actual numbers require current payoff statements and a title review.
A broker’s opinion letter or Realtor’s CMA versus Zillow and Redfin
A dated, signed broker’s opinion letter or Comparative Market Analysis can provide a more useful starting point than a screenshot of an automated estimate. Ask the professional to identify the property inspected, condition, recent comparable closed sales, adjustments, and the basis for the value range. Zillow explains that a Zestimate is not an appraisal; Redfin likewise distinguishes its estimate from a formal appraisal.
In Hudson County, the analysis should match the actual property: a condominium, a single-family home, and a two- to four-unit building need different comparables. Parking, unit condition, occupancy, condominium charges or assessments, and lawful rental use may matter. A countywide average cannot establish the value of a particular Jersey City, Hoboken, Bayonne, or North Bergen property.
A CMA or broker letter is not automatically admissible evidence and does not replace a certified appraisal when one is needed. Counsel should address the author’s qualifications, factual foundation, and whether a certification, appraisal, or expert testimony is appropriate under the New Jersey evidence rules governing opinion testimony. A request for time is stronger when the valuation accompanies concrete progress: a signed sale contract, deposit, financing approval, title work, and a feasible closing schedule.
Hudson County sheriff’s sales
Investor outreach and offers to buy before the auction
Foreclosure sale notices are public. Professional buyers may monitor Hudson County sheriff’s sales and current listings for properties with equity, and homeowners may receive direct offers. An offer can be worth considering, but the buyer’s expected profit and your net proceeds are different numbers.
Compare the offer with an independent valuation and an estimated closing statement. Request proof of funds, a meaningful deposit, clear inspection and financing contingencies, disclosure of any assignment right, and a closing date that fits the actual sale deadline. For occupied multifamily properties, have counsel review the leases and any promises about delivering possession.
Signing a contract does not itself stop a sheriff’s sale. Coordinate any needed adjournment or court relief with the closing plan. Be especially cautious about transferring a deed in exchange for a promise to obtain financing or “save” the home. Read our guides to foreclosure rescue scams and surplus funds after a foreclosure sale.
Financing update · October 25, 2026
Distressed refinance options for Hudson County homeowners
Refinancing a loan in foreclosure requires an actual lender review. Available equity can help, but recent mortgage delinquencies, income, title issues, occupancy, and the time before auction may limit the options. A modification of the existing loan should also be evaluated through our loan-modification practice.
As a national benchmark, Freddie Mac reported a 7.32% average 30-year fixed mortgage rate on October 22, 2026. That survey covers qualifying conventional purchase applications. It is not a Hudson County distressed-refinance or bridge-loan quote.
Current New Jersey foreclosure-financing provider materials describe conditional private or bridge financing based on equity, title, qualifications, and a repayment plan. Some programs are limited to investment property: for example, Quicker Home Loans states that it does not finance owner-occupied homes. These are examples of advertised program restrictions, not endorsements or verified offers for your property.
For a Hudson County condo or small multifamily building, identify who occupies each unit and whether the proposed loan is permitted for that use. Compare the written interest rate, points, total closing costs, monthly carrying costs, maturity date, extension terms, and exit plan. A short bridge loan that cannot be repaid may simply replace one foreclosure problem with another. No county-specific distressed rate or approval is promised.
Bring the proposed term sheet and a current payoff to your consultation. See our updated foreclosure timing article, mortgage-servicer directory, and case results to prepare for the discussion.
Communities we serve
Representation throughout Hudson County.
We serve homeowners countywide, including the following communities. Consultations are arranged through our Hackensack office.
- Bayonne
- East Newark
- Guttenberg
- Harrison
- Hoboken
- Jersey City
- Kearny
- North Bergen
- Secaucus
- Union City
- Weehawken
- West New York
Common questions
Hudson County foreclosure questions.
Can I seek a loan modification while a foreclosure case is pending?
A workout may be possible during a pending case, but the application requirements and available protections depend on the loan, timing, and case status. Continue to address court deadlines while any request is being reviewed.
Does a modification application automatically cancel a sheriff’s sale?
Do not assume that it does. Review the actual sale status and any applicable legal protections or court orders. If a sale is scheduled, contact counsel promptly with the sale notice and your application records.
What if I have already missed a court deadline?
Contact the office promptly. Any potential relief depends on the reason for the missed deadline, the procedural history, and the evidence. Bring the complaint, proof of service if available, and all subsequent orders.
Where is your office?
Our New Jersey office is at Court Plaza South, 21 Main Street, Ste. 255, Hackensack, NJ 07601. We represent homeowners throughout Hudson County and New Jersey. Call to arrange a consultation.
Take the next step
Let’s talk about your home.
Tell us what has happened and what you want to accomplish. We will start with your documents, the stage of the case, and the options worth evaluating.
This page provides general information, not legal advice. Available options and outcomes depend on your facts and applicable law. Contacting the firm does not itself create an attorney-client relationship.