Almost certainly not. Options narrow as the case advances, but homeowners have real choices even after a judgment has been entered and a sale date has been scheduled.
After judgment, a Chapter 13 filing can pause a sale, adjournments can move the date, and a sale of the property can still close beforehand. The mistake that genuinely forecloses your options is disengaging, because deadlines pass whether or not you are paying attention.
A useful reframe: the question is never "is it too late," it is "which options are still open at my stage." Find the newest document you received, look up what it means and what remains possible, and work that list. Even the week before an auction, people close sales, file Chapter 13, and win adjournments. The only stage with nothing left to decide is after a completed, confirmed sale, and even then surplus funds may be waiting.
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Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.