Foreclosure Fast Facts
new jersey housing and mortgage finance agency
Foreclosure Fast Facts
stateWIDe Foreclosure PreVeNtIoN resources
Homeowners
the Hope Hotline 1-888-995-HOPE offers free,
The Office of the Courts Foreclosure Mediation
confidential help and assistance to homeowners with
Program provides homeowners with access to housing
mortgage problems 24 hours a day / 7 days a week
counselors and court trained mediators to resolve
in English and Spanish.
foreclosure actions by proposing work-out and payment
renters
arrangements between distressed borrowers and lenders.
You cannot be evicted without notice and without
The program will also provide lawyers to income-eligible
good cause. This is true even when a bank or mortgage
homeowners. Call 888-989-5277 to sign up or visit
lender files an action to foreclose on your rented property
www.njforeclosuremediation.org.
because your landlord has not paid the mortgage. If you
the New Jersey HOUSiNG COUNSEliNG
find yourself facing eviction, cal a lawyer. If you cannot
aGENCiES listed in this brochure have been trained in
afford a lawyer, you may be eligible for Legal Services.
foreclosure prevention counseling. Residents can call
Find out by calling 888-576-5529.
directly to receive assistance.
If you have any questions, please call the Public Advocate
the mortgage assistance Program provides funding
at 609-826-5070.
to homeowners to bring mortgages current or to refinance If you have been locked out of your home, call the Police
or renegotiate the terms of the mortgage. Homeowners
Department in your municipality. Remember, the landlord
must work with a counseling agency listed in the brochure or property owner must take you to court before you can
to determine eligibility.
be removed from your home.
anti-Predatory lending If you feel you have been taken
advantage of or misled by a lender, call Legal Services
Housing resource Center (HrC)
of New Jersey at 888-576-5529. Legal Services of NJ
Provides a statewide listing of vacant for sale and rental
provides legal representation to low-income New Jersey
properties.
homeowners. Homeowners regardless of income level
Visit www.njhousing.gov to search thousands of
may file a complaint with the NJ Department of Banking
affordable units. HRC is free and anonymous.
and Insurance by calling 800-446-7467.
Vacancy information is updated biweekly.
(Continued inside...)
Foreclosure Fast Facts
stateWIDe Foreclosure PreVeNtIoN resources
young People
information about USF, including an application, is also
The loss of a home affects every member of the family not available at www.energyassistance.nj.gov.
just the adults. Governor Corzine recently launched the
NJ Weatherization Program Assists elderly,
2nd FLOOR Youth Toll-Free Helpline which lets young New handicapped and low-income persons in weatherizing
Jerseyans between 10 and 24 years of age call and talk
their homes, improving their heating system efficiency
about whatever is on their mind. To speak to a counselor,
and conserving energy. Call 609-633-2378 or visit
call 888-222-2228. Parental permission is not needed
www.state.nj.us/dca/dcr/forms/wealist.doc to
and all calls are confidential and anonymous.
find a service provider near you.
Women
General assistance
Women’s referral Central The Hotline provides referrals General assistance - Call 211. Call Specialists will
and basic information in areas such as discrimination,
provide information and referral for services including:
affordable housing, addiction services, domestic violence,
employment, legal assistance. Please call 800-322-8092
Basic Human Needs resources food banks, rent
for further information.
assistance, utility assistance
Veterans
Seniors and Persons with Disabilities congregate
Counseling Hotline 866-838-7654
meals, Meals on Wheels, adult daycare and transportation
Seniors
Children, youth and families childcare, after school
programs, mentoring, protective services, tutoring
reverse mortgage Program A Reverse Mortgage is a
special type of mortgage that allows homeowners, age 62 Employment Supports financial assistance, job training
or over, to tap into the equity in their existing homes, or to
purchase a new home. The Reverse Mortgage requires
New Jersey Self-Help Clearinghouse
no repayment until the borrower leaves the home. For
Self-help groups can connect you with others who truly
more information, call 1-800-NJ-HOUSE or visit http://
understand. NJ Self-Help Clearinghouse has information
www.state.nj.us/dca/hmfa/consu/senior/revers/
on over 4,500 self-help groups for addictions, abuse,
health, loss, mental health, disabilities, family and
Homelessness Prevention
parenting concerns. Services are free and confidential.
NJ Homelessness Prevention Program provides limited
(800) 367-6274 or (800) 238-2333.
financial assistance to low- and moderate-income tenants
and homeowners in imminent danger of eviction or
NJHElPS
foreclosure due to temporary financial problems beyond
Is a one stop resource for state programs to assist
their control. Funds are used to disburse payments in
residents of New Jersey.
the forms of loans and grants to landlords and mortgage
Visit www.njhelps.org to self-screen in English or Spanish
companies. Please call toll-free 866-889-6270.
for over 28 programs such as food stamps, prescription
Home Heating assistance
drug assistance, Work First New Jersey, assisted living,
and more. NJHELPS also lists over 30 hotline resources
NJ SHarES New Jersey Statewide Heating Assistance
for child care, child support, support for working families
and Referral for Energy Services (New Jersey SHARES)
and more.
is a non-profit organization charged with a mission to
provide assistance to individuals and families living in
New Jersey who are in need of temporary help in
Statewide Hotlines
paying their energy bills. Call 1-866-NJSHarES or visit
http://www.njshares.org/wheretoapply/index.asp
Domestic abuse Hotline
1-800-572-7233
to find out how to apply.
addiction Hotline
1-800-322-5525
the Universal Service fund (USF) is a program created
by the State of New Jersey to help make natural gas and
Substance abuse Hotline 1-609-292-5760
electric bills more affordable for low-income households.
food Stamp info line
1-800-687-9512 or
If you are eligible,
online application
For further information USF or to locate the nearest application
available at
agency, call 800-510-3102 or 609-292-6140. Additional
http://www.njhelps.org
1-800-446-7467 | www.njhope.nj.gov
1-800-NJ-HOUSE | www.nj-hmfa.com
Foreclosure Fast Facts
stateWIDe Foreclosure PreVeNtIoN resources
HOUSiNG COUNSEliNG aGENCiES
The following is a list of agencies that have partnered with the NJ HMFA and have been trained in foreclosure prevention.
If you need help with your mortgage, call a counseling agency that operates in the county where you live.
Unless otherwise noted, all of the following agencies participate in the Foreclosure Mediation Program.
atlaNtiC COUNty
Jersey Counseling*
Tri-City Peoples Corporation
NJ Citizen Action
856-541-1000
55 Washington Street
75 Raritan Avenue
AHOME
East Orange, NJ 07017
Highland Park, NJ 08904
400 East Main Street
NJ Citizen Action
973-676-5506
800-656-9637
Millville NJ 08332
800-656-9637
800-860-0566
973-643-8800
856-293-0100
973-643-8800
GlOUCEStEr COUNty
Novadebt
Atlantic Human Resources
Tri-County Community
732-409-6281
1 South NY Ave, Suite 303
Action Agency
AHOME
Atlantic City, NJ 08401
856-451-6330 ext. 222
856-293-0100
Puerto Rican Action Board
609-348-4131 ext. 222
or 299
90 Jersey Avenue
CCCS of Delaware Valley
New Brunswick, NJ 08903
Consumer Credit
CaPE may COUNty
800-989-2227
732-249-9700 Ext. 150
and Budget Counseling
or 154
299 South Shore Road
AHOME
Jersey Counseling*
U.S. Route 9 South,
856-293-0100
856-541-1000
mONmOUtH COUNty
P.O. Box 866
Atlantic Human Resources
Tri-County Community
Marmora, NJ 08223
609-348-4131 ext. 222
Action Agency
Affordable Housing
609-390-9652 ext. 207
856-451-6330 ext. 222 or
Alliance of NJ
Consumer Credit
299
59 Broad Street
BErGEN COUNty
and Budget Counseling
Eatontown, NJ 07724
609-390-9652 ext. 207
732-389-2958
Episcopal Community
HUDSON COUNty
Development
CUmBErlaND COUNty
Episcopal Community
Faith Fellowship CDC
31 Mulberry Street
Development
732-727-9500 ext. 4149 or
Newark, NJ 07102
AHOME
973-430-9986
1704
973-430-9986
856-293-0100
Novadebt
CCCS of Delaware Valley
HUNtErDON COUNty
BUrliNGtON COUNty
225 Willowbrook Road
800-989-2227
NJ Citizen Action
Freehold, NJ 07728
AHOME
Consumer Credit
800-656-9637
732-409-6281
856-293-0100
and Budget Counseling
973-643-8800
mOrriS COUNty
American Credit Alliance, Inc.
609-390-9652 ext. 207
800-501-7526
mErCEr COUNty
Jersey Counseling*
Episcopal Community
Development
Burlington County
856-541-1000
Affordable Housing
973-430-9986
Community Action Program
Alliance of NJ*
Tri-County Community
One Van Sciver Parkway
732-389-2958
Action Agency
Urban League
Willingboro, NJ 08046
110 Cohancey Street
American Credit Alliance, Inc.
of Morris County
609-835-4329
Bridgeton, NJ 08302
23 Warren Street
300 Madison Avenue, Suite A
Morristown, NJ 07960
CCCS of Delaware Valley
856-451-6330 ext. 222
Trenton, NJ 08608
973-539-2121
One Cherry Hill Dr, Suite 215
or 299
800-501-7526
Cherry Hill, NJ 08002
CCCS of Delaware Valley
OCEaN COUNty
800-989-2227
ESSEx COUNty
800-989-2227
Affordable Housing
Jersey Counseling*
Brand New Day
Isles Inc.
Alliance of NJ
1840 South Broadway
908-282-0781 ext. 109
714 South Clinton Ave
732-389-2958
Camden, NJ 08104
Episcopal Community
Trenton, NJ 08611
856-541-1000
609-341-4789
Novadebt
Development
973-430-9986
732-409-6281
CamDEN COUNty
Novadebt
La Casa de Don Pedro
732-409-6281
O.C.E.A.N. Inc.
AHOME
317 Roseville Ave
40 Washington Street
856-293-0100
Newark, NJ 07107
miDDlESEx COUNty
Toms River, NJ 08753
732-244-2351 ext. 14
American Credit Alliance, Inc.
973-485-0701
Faith Fellowship CDC
800-501-7526
NJ Citizen Action
2707 Main Street
PaSSaiC COUNty
CCCS of Delaware Valley
744 Broad Street, Suite 2080
Sayreville, NJ 08872
800-989-2227
Newark, NJ 07102
732-727-9500 ext. 4149 or 1704
Episcopal Community
800-656-9637
Development
973-643-8800
First Baptist CDC
973-430-9986
732-247-0444 ext. 1016
(Continued on back...)
1-800-446-7467 | www.njhope.nj.gov
1-800-NJ-HOUSE | www.nj-hmfa.com
* Jersey Counseling and Affordable Housing Alliance are not participating in the Foreclosure Mediation Program.
NJ Citizen Action
Tri-County Community
Puerto Rican Action Board
Brand New Day
800-656-9637
Action Agency
732-249-9700
176 First Street
973-643-8800
856-451-6330 ext. 222
ext. 150 or 154
Elizabeth, NJ 07206
or 299
908-282-0781 ext. 109
SalEm COUNty
SUSSEx COUNty
SOmErSEt COUNty
Faith Fellowship CDC
AHOME
Urban League of
732-727-9500 ext. 4149 or 1704
856-293-0100
Faith Fellowship CDC
Morris County
732-727-9500 ext. 4149 or
973-539-2121
Tri-City Peoples Corporation
CCCS of Delaware Valley
1704
973-676-5506
203 E. Broadway, Suite 1020
UNiON COUNty
800-860-0566
Salem, NJ 08079
First Baptist CDC
800-989-2227
630 Franklin Blvd., Suite 102
NJ Citizen Action
WarrEN COUNty
Somerset, NJ 08873
800-656-9637
Jersey Counseling*
732-247-0444 ext. 1016
856-541-1000
973-643-8800
Urban League
Novadebt
of Morris County
732-409-6281
973-539-2121
The following is a list of county social services agencies where you will be able to access services
such as Medicaid, Food Stamps, Child Support, emergency assistance and employment support.
atlantic County
Bergen County
Burlington County
Camden County
P.O. Box 869, 1333 Atlantic Ave
216 Route 17 North
795 Woodlane Road
600 Market Street
Atlantic City, NJ 08401
Rochelle Park, NJ 07662
Mount Holly, NJ 08060
Camden, NJ 08102
609-348-3001
201-368-4200
609-261-1000
856-225-8800
Cape may County
Cumberland County
Essex County
Gloucester County
4005 Route 9 South
275 N. Delsea Drive, 1st Floor
18 Rector St, 9th Floor
400 Hollydell Dr.
Rio Grande, NJ 08242
Vineland, NJ 08360
Newark, NJ 07102
Sewell, NJ 08080
609-886-6200
856-691-4600
973-733-3000
856-582-9200
Hudson County
Hunterdon County
mercer County
middlesex County
2 Enos Place
6 Gaunt Place
200 Wolverton St., P.O. Box 01450
181 How Lane , P.O. Box 509
Jersey City, NJ 07306
Flemington, NJ 08822
Trenton, NJ 08650
New Brunswick, NJ 08903
201-420-3000 or 201-420-3172
908-788-1300
609-989-4320
732-745-3500
monmouth County
morris County
Ocean County
Passaic County
Kozloski Road, P.O. Box 3000
340 W. Hanover, P.O. Box 900
1027 Hooper Ave., P.O. Box 547
80 Hamilton Street
Freehold, NJ 07728
Morristown, NJ 07963
Toms River, NJ 08754
Paterson, NJ 07505-2060
732-431-6000
973-326-7800
732-349-1500
973-881-0100
Salem County
Somerset County
Sussex County
Union County
147 S. Virginia Avenue
73 E. High Street, P.O. Box 936
18 Church Street, P.O. Box 218
342 Westminster Avenue
Penns Grove, NJ 08069
Somerville, NJ 08876
Newton, NJ 07860
Elizabeth, NJ 07208
856-299-7200
908-526-8800
973-383-3600
908-965-2700 or
200 West 2nd Street
Plainfield, NJ 07060
908 – 791-7000
Warren County Courthouse annex
Second and Hardwick Streets, 501 Second Street
Belvidere, NJ 07823
908-475-6301
BEWarE Of fOrEClOSUrE rESCUE SCamS - HElP iS frEE!
•
There is never a fee to get assistance or information about Making Home Affordable from your lender or a HUD-approved housing
counselor or a NJ Housing Counseling Agency listed in this document.
•
Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification
of a delinquent loan. Do not pay – walk away!
•
Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed
to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
•
Never make your mortgage payments to anyone other than your mortgage company without their approval.
The Attorney General urges any member of the public who has been a victim of mortgage-related fraud to report it by calling
the Division of Consumer Affairs’ toll-free hotline at 1-800-242-5846. Consumers from out of state can call 973-504-6200.
Those seeking to file a complaint can also visit the Division’s Web site at www.njconsumeraffairs.gov.
1-800-446-7467 | www.njhope.nj.gov
1-800-NJ-HOUSE | www.nj-hmfa.com
Revised 06.25.2009
* Jersey Counseling and Affordable Housing Alliance are not participating in the Foreclosure Mediation Program.
