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State of New Jersey

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If you are unable to make new arrangements with your lender or loan servicer, you should seek help from legal counsel or from a certified credit counselor and/or licensed debt adjuster.

If you lender cannot help you...  
  If your lender cannot help you, contact the Homeownership Preservation Foundation at 1-888-995-HOPE, a 24 hour a day, 7 day a week toll-free hotline with trained counselors to help homeowners avoid foreclosure.  When you talk to a counselor you won’t be judged and you won’t pay a dime for the advice or assistance. Call 1-888-995-HOPE or visit today.
Homeownership Preservation Foundation

The Neighborhood Assistance Corporation of America (NACA) is a national non-profit community advocacy and housing services organization.  NACA has designed a mortgage refinance program that may be suitable for your needs. Visit for details.


OPRA is a state law that was enacted to give the public greater access to government records maintained by public agencies in New Jersey.
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NJ Department of Banking and Insurance
NJ Department of Community Affairs
NJ Housing and Mortgage Finance Agency