New Jersey's Construction Lien Law sets a 90 day window to lodge a lien claim after the last work, with 120 days for residential construction contracts, and gives priority to a mortgage recorded before a lien claim, to the extent of funds advanced or required to be advanced. For construction and rehab loans, draw timing matters. The Department of Community Affairs notes that the notice of intention to foreclose requirement applies to residential mortgage lenders. The state's hazard mitigation plan names flooding as the most frequent natural hazard in New Jersey.
World's Fair Capital makes business purpose loans to real estate investors in New Jersey: fix and flip, DSCR rental, bridge and ground-up construction. This page covers points that most often matter to an investor there, each checked against the statute or agency that publishes it. It is general information, not legal or tax advice, and terms for any loan are set at underwriting.
Prepared by the WFC editorial team. Facts checked against the cited sources, last reviewed 2026-10-11.
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How a New Jersey loan works with us
- 1Start your application
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- 2Review the term sheet
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- 3Underwriting
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- 4Closing
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What investors should know about New Jersey
Construction lien claim deadlines
Under the Construction Lien Law as amended by P.L.2010, c.119, a lien claim form must be lodged for record within 90 days after the last work or materials, except for residential construction contracts, which carry a 120 day window and a separate arbitration timing rule.
Source: P.L.2010, c.119, amending N.J.S.A. 2A:44A-6, checked 2026-10-11
Residential construction lien window
For a residential construction contract the same statute allows 120 days from the last work, services, material or equipment.
Source: P.L.2010, c.119, amending N.J.S.A. 2A:44A-6, checked 2026-10-11
Recorded mortgages and construction liens
The statute gives a mortgage recorded before a lien claim is filed priority over the lien to the extent funds were advanced or the mortgagee was obligated to advance them before filing, so draw timing matters.
Source: P.L.2010, c.119, amending N.J.S.A. 2A:44A-22, checked 2026-10-11
Fair Foreclosure Act notice (residential)
The Department of Community Affairs states that the notice of intention to foreclose requirement applies to residential mortgage lenders and debtors. Business purpose investor loans are generally outside that residential framework, so confirm applicability with counsel.
Source: NJ Department of Community Affairs, Notice of Intention to Foreclose, checked 2026-10-11
Flooding is the most frequent hazard
The State of New Jersey Hazard Mitigation Plan, published by the Office of Emergency Management, identifies floods as the most frequent natural hazard in the state, which is why flood zone checks are routine on New Jersey properties.
Source: State of New Jersey 2014 Hazard Mitigation Plan, Section 5.6 Flood, checked 2026-10-11
General information, not legal or tax advice. Confirm details with your own counsel or title agent.
For brokers
Placing a deal in New Jersey?
Your client stays your client. We work the deal with you, not around you.
Your compensation is written into the Letter of Intent your client reviews and e-signs, before underwriting begins.
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Questions on a New Jersey deal? Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST).
What to send for a first look
- Property address and type
- Purchase price, or current value on a refinance
- Loan amount requested and what it is for
- Rehab or construction budget, if any
- Current or expected rent on a rental
- The borrower's experience and estimated credit score
- Your timeline to close
Loan programs for New Jersey investors
- Hard Money Loans
- Fix & Flip Loans
- Rental / DSCR Loans
- Ground-Up Construction Loans
- Commercial Bridge Loans
- Multifamily Bridge Loans
- Small Balance Commercial Loans
- Foreign National Loans
- FlexCap Business Bridge Loans
Program availability varies by property and borrower. Business purpose loans only.
Have a deal in New Jersey?
Call 800-590-7911 (Mon–Fri 8:00 AM – 5:00 PM EST) or start online.
Nothing on this website constitutes a commitment, approval, or guarantee of financing.
Rates, fees, terms, timelines, and program descriptions are subject to change without notice.
Any investor-related or capital discussion is not an offer to sell, a solicitation to buy, or a recommendation of any security or investment product.