Bergen County · For bidders
The county's published rules for buyers: when and where sales are held, the deposit, accepted payment and deadlines, and what you take on when you win.
Is it your home on the list?
You generally have more time and more options than the notice suggests, including two adjournments of up to 30 days each. Find your date and your options.
Paraphrased from the Bergen County Sheriff's official pages, checked September 30, 2026: bcsd.us, bcsd.us, bcsd.us. Terms change; the sheriff's current conditions of sale always govern.
This month: 82 sales scheduled in Bergen County as of Oct 5, 2026, 46 of them within 30 days; next sale date on the list Oct 16, 2026. Many listed sales are adjourned or resolved before auction.
Bergen County sheriff sale numbers and towns →You buy what the title search shows. Sales are generally subject to unpaid taxes, municipal charges and liens the foreclosure did not cut off, and a sheriff's deed does not guarantee clear title. Run your own title search before sale day.
No inspections. Sheriffs do not give access. You are bidding on the outside of the house and the public record.
The owner can still redeem. After the sale there is generally a 10-day window for objections and for the owner to redeem by paying what is owed, before the deed is delivered.
Possession takes a court step. If the former owner is still living there, the buyer must obtain a writ of possession through the court, and tenants have separate protections under New Jersey law.
The Community Wealth Preservation Program. For many residential sales, state law gives the owner, next of kin or a qualifying tenant a first right to buy at the posted upset price, with a smaller deposit and longer time to pay. Several counties now apply parts of the program differently after court rulings, so check the county's current notice. How the program works.
Dates move. Listed sales are often adjourned, settled or stayed by bankruptcy. Check the official list on sale day.
Per the Bergen County Sheriff: 20% of the total bid price immediately at the time of sale (when the property is struck off). Accepted payment: Cash, certified funds, or cashier's checks; certified/cashier's check not dated more than 90 days before sale, payable to 'Bergen County Sheriff' or to the purchaser and endorsed to the Sheriff. Confirm the current terms with the sheriff's office before the sale.
Generally no. Sheriffs do not grant entry, and properties are sold as is. Bidders typically rely on the outside of the property, public records and their own title search.
Properties are generally sold subject to unpaid taxes and municipal charges, liens that were not cut off by the foreclosure, and anything a title search or survey would show, and the sheriff's deed does not guarantee clear title. The former owner also generally has a 10-day window after the sale to redeem, and the buyer must go through the court to obtain possession.
Educational information only, not legal, tax or investment advice. NJ Foreclosure Guide does not sell properties or represent bidders. The sheriff's current conditions of sale govern every auction.
Independent, and paid by nobody
We take no referral fees, no commissions, and no advertising money from anything on this site. Every cash buyer, nonprofit and government program listed is independently owned and operated with no connection to us. The one exception is Corcoran Sawyer Smith x Builders Resource Center, a brokerage the people behind this guide have an ownership interest in, which is labeled as a related business everywhere it appears so you can weigh it accordingly.
help@njforeclosureguide.orgWe read every message and reply within one business day.
290 W Mt Pleasant Ave, Suite 2210, Livingston, NJ 07039By appointment only.
Free, no obligation, nothing to sell you. We are not a law firm, a lender, or a real estate brokerage, and nothing here is legal advice.