The short answer is that until the house is sold by the bank, you still hold the deed. NJ is a judicial foreclosure state, meaning they have to sue you for foreclosure. Once they win the case, they simply have a judgment against you. Since the house was the collateral for the mortgage, they have the right to sell the house and apply the proceeds from the sale toward that judgment. You will owe them the rest. But until the date of that sale, the house is still in your name.
Once they have the judgment, the bank can send someone to check on the property to see if it's vacant or not. They will send you notice that they intend to do so. They are not supposed to change the locks until they sell the house, but if for any reason they did before hand, you can bust their locks and put your own back on.
The key is that until the sale is done, you are still the owner of the house.