mortgage in one name and title in another during foreclosure

This a was reponse you gave for a mortgage in one name and the title in another. “But since your name is on titleto the property in question, if there are any other unsatisfied liens or financial on the property, your credit might be adversely impacted, such as for unpaid property taxes, judgment, or a mechanic’s lien. Any excess proceeds from the foreclosure sale would legally pass to the mortgagor (owner of real estate) and any other owners on title, after full satisfaction of any other subordinate liens, if any.” Can you clarify how the mortgage company would pay / split payment of any excess of the sale of the property? The owner on title and the mortgagor are 2 family members that do not talk so if it was paid to the mortagor how would the owner get their share? esp since owner is held for back taxes on the property and not the mortgagor? Property in is NJ