Welcome! Thank you for your question.
If you have a valid written lease then even upon foreclosure you cannot be removed from the property. Pursuant to 12 USC § 5220 the Helping Families Save Their Homes Act of 2009, P.L. 111-22, Div A, Title
VII sec. 702, 123 Stat. 1660, before a tenant can be evicted due to foreclosure, if a tenant has a lease agreement the landlord must give 90 days notice that the lease will terminate at the end of the lease. This 90 day notice cannot occur until the lease is ending.
You must be aware that since you are a relative that the mortgage company may try and argue that the lease was a sham or was not valid for some reason. You should have a civil consumer protection
attorney review your lease to assure that it will be considered a valid lease according to NJ law. So long as it is a valid lease you are protected from being removed from the property, even if the bank forecloses and sells the property.
I cannot provide you with legal advise. I have provided you with information about the law related to your question. My answer, and any information that you find online, should not take the place of having a consultation with a lawyer in your area to advise you regarding your specific issues.
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