New Jersey Statutes Title 3B. Administration of Estates Decedents and Others 3B § 28-3.1

a. The mortgage is placed upon the matrimonial residence prior to the time that title to the residence was acquired by the married individual;  or

b. The mortgage is placed upon the matrimonial residence prior to the marriage;  or

c. The mortgage is a purchase money mortgage;  or

d. The parties to the marriage have joined in the mortgage;  or

e. The right of joint possession has been subordinated, released or extinguished by subsection b. or c. of N.J.S.3B:28-3.