Find a Counselor

Whether you have missed payments or feel that you may soon miss a payment because your mortgage is no longer affordable to you, you need to take action immediately.

Step 1: Contact your mortgage servicer to discuss your options. Ask to be considered for any available federal or state programs.
Step 2: Contact a local housing counseling agency from the list below and get no-cost help. 
Step 3: Together, you will find the solution that is best for you

Remember, there is NEVER a fee for foreclosure prevention help!

Having difficulty getting assistance from your mortgage servicer? See Step 2 above. 
Contact a counselor who can determine if you qualify for assistance programs, and who can recommend a course of action based on your unique facts and circumstances.

 

Atlantic County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Bergen County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Burlington County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Camden County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Cape May County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Cumberland County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Essex County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Gloucester County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Hudson County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Hunterdon County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Central Jersey Housing Resource Center	908-446-0039	FMAP
Puerto Rican Action Board	732-249-9700	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Mercer County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Isles, Inc.	609-341-4783	FMAP & ERMA
Affordable Housing Alliance of NJ	732-389-2958	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Middlesex County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Central Jersey Housing Resource Center	908-446-0039	FMAP
Puerto Rican Action Board	732-249-9700	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Monmouth County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Isles, Inc.	609-341-4783	FMAP & ERMA
Affordable Housing Alliance of NJ	732-389-2958	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Morris County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Ocean County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Isles, Inc.	609-341-4783	FMAP & ERMA
Affordable Housing Alliance of NJ	732-389-2958	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Passaic County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Salem County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Clarifi	800-989-2227	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Somerset County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Central Jersey Housing Resource Center	908-446-0039	FMAP
Puerto Rican Action Board	732-249-9700	FMAP
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Sussex County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Union County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP
Warren County
Consumer Credit and Budget Counseling	609-390-9652 | 888-738-8233	FMAP & ERMA
NJ Citizen Action	800-656-9637 | 973-643-8800	FMAP & ERMA
Housing Partnership	973-659-1414	FMAP & ERMA
Tri-City Peoples Corporation	973-676-5506	FMAP & ERMA
Navicore	866-472-4557	FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD)	732-638-2854	ERMA
Waterfront Project	551-256-7578	FMAP & ERMA
Consolidated Credit Solution, Inc.	800-435-2261	FMAP