Skip to main navigationSkip to News Headlines
NJ Division of Consumer Affairs
Global Navigation
Division of Consumer Affairs
The State of New Jersey Office of The Attorney General (Dept. of Law & Public Safety) The State of New Jersey NJ Home Services A to Z Departments/Agencies OAG Frequently Asked Questions
OAG Home
OAG Contact
Division of Consumer Affairs Alerts and Recalls
Division of Consumer Affairs Alerts and Recalls
Office of the Attorney General Homepage Division of Consumer Affairs, Director
Division of Consumer Affairs, Director
Division of Alcoholic Beverage Control
Division of Consumer Affairs
Division of Consumer Affairs Highlights
Division of Consumer Affairs Topics in a A-Z List Format
Office of Consumer Protection (OCP)
New Jersey Bureau of Securities
Office of Weights and Measures
Legalized Games of Chance Control Commission
Alternative Dispute Resolution
Professions and Occupations List
Contact the Division of Consumer Affairs
Division of Consumer Affairs in Spanish
Division of Criminal Justice
Division on Civil Rights
Division of Gaming Enforcement
Division of Highway Traffic Safety
Division of Law
Juvenile Justice Commission
NJ Racing Commission
State Athletic Control Board
Division of NJ State Police
Victims of Crime Compensation Office
OPRA - Open Public Records Act
Download acrobat reader

Restitution Fund Application

      * Indicates Required Field
Contact Information

* Last Name: , * First Name:

* Street Address:
* City: ,* State: * ZIP Code:
* Daytime Telephone Number:
* E-Mail Address:

  1. Did you lose your home in a foreclosure sale or a short-sale between January 2, 2005 and October 4, 2010?
    Yes No        
  2. At the time of your foreclosure or short sale, did you have a qualifying **Pick-a-Payment mortgage loan, as defined below;
    Yes No        
  3. If you went through a foreclosure sale or a short sale since January 2009, did you have a Pick-a-Payment Option Arm Mortgage loan held by Wells Fargo at that time?
    Yes  No

  4. Was your mortgage secured on a 1 to 4 unit residential property located in New Jersey?
    Yes No        
  5. Was the home your primary residence?
    Yes No        
  6. Thank you for submitting your application for settlement funds. You will receive a response within 14 days.


** Definition of Qualifying “Pick-a-Payment” Mortgage

This is a mortgage loan originated or acquired by Golden West Financial Corporation or Wachovia Corporation or one of their affiliates such as:

  • World Savings Bank, FSB
  • World Savings and Loan Association
  • Wachovia Corporation
  • AmNet Mortgage, LLC
  • American Mortgage Network, LLC
  • Wachovia Mortgage, FSB
  • Wachovia Bank, FSB
  • Wachovia Bank, N.A.

Wells Fargo did not originate these loans, but purchased the portfolio of these Pick-a-Payment mortgages from Wachovia in December 2008.

The Pick-a-Payment mortgage loan allowed the borrower to select and make a minimum payment for a limited time and subject to certain conditions. In particular, for each monthly payment, the borrower could choose from four options:

  1. make a fully amortized interest and principal payment such that the loan would be satisfied in the traditional 30-year term;
  2. make a 15-year fully amortized payment;
  3. make an “interest only” payment, or
  4. make a lesser “minimum payment” that would not cover the interest owed

Contact Us | Privacy Notice | Legal Statement | Accessibility Statement
NJ Home Logo
Divisional: DCA Home | Complaint Forms | Proposals | Adoptions | Contact DCA
Departmental: OAG Home | Contact OAG | About OAG | OAG News | OAG FAQs
Statewide: NJ Home | Services A to Z | Departments/Agencies | FAQs
Copyright © State of New Jersey
This page is maintained by DCA. Comments/Questions: email

Page last modified: