Foreclosure Fast Facts & Resources

Foreclosure Fast Facts & Resources

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: Download the Foreclosure Fast Facts PDF (English/Spanish) to get a list of HUD-Certified NJ Housing Counseling Agencies.
  • Step 3: Contact a local housing counseling agency and get NO-COST HELP. There is NEVER A FEE FOR FORECLOSURE PREVENTION HELP!
  • Step 4: Together, you will find the solution that is BEST for you

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.

Get the Foreclosure Fast Facts PDF

For a list of HUD-Certified New Jersey Housing Counseling Agencies, download our Foreclosure Fast Facts documents by clicking on the graphics below.

   
Download the Foreclosure Fast Facts in English (1.5MB PDF) Descargue el documento Generalidades Sobre Ejecuciones Hioptecarias en Español (1.5MB PDF)

Don't wait. The sooner you call a HUD-Certified Housing Counselor, the more options you'll have.

State Resources

The New Jersey HomeSaver Program offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level by using HHF funds to facilitate a refinance, recast, or permanent modification of the first mortgage loan.

HHF logos

NJ Department of Banking and Insurance: Consumer Information on Foreclosures and Subprime Lending  - Home mortgage foreclosures have increased dramatically across the nation due to the ongoing disruption of the subprime mortgage lending market. Get more information about Subprime lending at http://www.state.nj.us/dobi/division_consumers/finance/foreclose_subprime.html

 

 FRAUD ALERT

If you have a tip about potential waste, fraud or abuse in the Troubled Asset Relief Program, please report it to SIGTARP at the following link: https://www.sigtarp.gov/Pages/crimetips.aspx

NOTE: Homeowners will NEVER be asked to pay a fee for any New Jersey Hardest Hit Fund Program.

If you are asked to pay a fee, or suspect fraud or misrepresentation related to a NJ Hardest Hit Fund program or representative, you are encouraged to contact our office at 1-855-647-7700 or 609-278-7660, or via email at hardesthitnj@njhmfa.gov.

You may also contact us at the following mailing address:

NJHMFA
637 South Clinton Ave.
P.O. Box 18550
Trenton, NJ 08650
Attn: NJHHF Program Manager