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Across the state, thousands of homeowners have been impacted by foreclosure. And often, not only is it difficult to get help, but it is even more difficult to know where to look for it.

Have you or someone you know received a foreclosure notice?

If yes, free housing counseling is available through NJHMFA’s Foreclosure Mediation Assistance Program.

Mediation can save a home from foreclosure, yet too many homeowners enter the foreclosure process with their mortgage lender without an understanding of the type of relief that may be available to them. Free housing counseling assistance is available to help.   

Foreclosure Mediation Assistance Program

To qualify for mediation:

  • The property must be the subject of an active residential mortgage foreclosure action.
  • Mediation must be requested within 60 days after service of the foreclosure summons and complaint unless a court order is entered directing the parties to mediation.
  • The homeowner must be living in the property that is in foreclosure, and all borrowers listed on the note must agree to participate in mediation.
  • The homeowner will not qualify if they are in bankruptcy.

How can housing counseling help?

A housing counselor acts as an advocate and can help guide homeowners through New Jersey’s existing court mediation program by creating an action plan to help to try and save your home. They can also determine if the homeowner requires further assistance and can provide other services, such as negotiating with the lender or providing post-mediation counseling and/or transition assistance.

Research has shown that homeowners who participated in counseling:

  • were nearly three times as likely to receive a loan modification;
  • 70 percent more likely to remain current on their mortgage after receiving the loan modification;
  • achieved on average a reduction of $5,000 annually on their mortgage payment.

If you qualify for mediation assistance, contact a housing counselor assigned to the county you live in as soon as possible.

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 (503k PDF) Descargue el documento Generalidades Sobre Ejecuciones Hioptecarias en Español (385k PDF)


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

For more information on the New Jersey Courts Foreclosure Mediation Program, please visit the New Jersey Courts Office of Foreclosure.  

If you are affiliated with a HUD certified Housing Counseling Agency and would like to participate as a qualified applicant providing services in the Foreclosure Mediation Assistance Program (FMAP), Please apply as a Partner by visiting and Downloading the "Qualified Housing Counselor Application"