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 the Federal Government's Making Home Affordable Program, or other similar 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 and Federal 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

The New Jersey Judiciary Foreclosure Mediation Program (NJJFM) - The NJJFM program provides homeowners with access to court-trained mediators to resolve foreclosure actions by proposing work-out and payment arrangements between distressed borrowers and lenders.

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

Through a combination of program design, support and funding, the following federal initiatives make New Jersey’s state programs possible.

The National Foreclosure Mitigation Counseling Program (NFMC) seeks to address the nationwide foreclosure crisis by dramatically increasing the availability of housing counseling for families at risk of foreclosure. Neighborworks America in partnership with the State of New Jersey provide homeowners with FREE housing counseling services in an effort to prevent foreclosure. Housing counselors work with the homeowner and the lender, utilizing tools such as the Making Home Affordable programs as well as state programs in order to negotiate a more affordable mortgage payment. Thanks to the NFMC and Neighborworks America, homeowners can see a housing counselor at NO COST. Get a list of participating local counseling agencies on our Foreclosure Fast Facts PDF (English/Spanish

makinghome affrdable.govMaking Home Affordable (MHA) provides programs to cover a variety of help in the form of modifications, refinance, principal reduction, forbearance, term extension and repayment plans.  All counselors participating in the NFMC program (described above) have been trained in MHA programs in order to determine if homeowners in counseling might qualify. For more information, visit 



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:

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

You may also contact us at the following mailing address:

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