A Practice Note discussing residential mortgage foreclosure procedures and proceedings under New Jersey's Fair Foreclosure Act (FFA) involving one- to four-family residential properties where the borrower maintains a principal residence. This Note describes the judicial foreclosure procedure and the optional foreclosure procedure without sale, including filings with the Office of Foreclosure and the sheriff's sale process. This Note also addresses short sale offers, procedures for vacant and abandoned property, deficiency judgments, the borrower's right to cure and right of redemption, and the requirements of the New Jersey Foreclosure Mediation Act.