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All of the resources listed on this page have more information about foreclosure on their websites. The U.S. Department of Housing and Urban Development (HUD) through the Federal Housing Administration (FHA) provides comprehensive information about how to avoid foreclosure with special emphasis on alternative arrangements that you may be able to reach with your lender. Read their Guide to Avoiding Foreclosure.
The SUN initiative works to stabilize neighborhoods by preventing foreclosure-related vacancies before they occur. SUN helps homeowners with a stable income stay in their home by acquiring foreclosed properties and reselling these homes to their existing occupants with mortgages they can afford. To qualify for SUN, a homeowner needs to be (1) late on their mortgage, (2) live in New Jersey, and (3) have a stable income. To apply, homeowners can call SUN at 855-604-4663 (toll-free) or visit their website.
This program is funded through a federal grant and consists of the NJ HomeSaver and NJ HomeKeeper programs. New Jersey HomeSaver offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level. New Jersey HomeKeeper offers eligible homeowners up to $48,000 in financial assistance to cover arrearages and/or monthly mortgage payments (including principal, interest, taxes and insurance) for up to 12 months.x
Mortgage payment relief and protection from foreclosure is provided to active military personnel and reservists through the Servicemembers Civil Relief Act (SCRA). To be eligible for this program you must have had mortgage commitments before enlisting or being called to active duty. Reservists, guardsmen and other eligible servicemembers should contact their lenders and other creditors and provide documentation that they have been called to active duty and are eligible for certain relief under the SCRA. To learn more about this program you can call 800-CALL-FHA (225-5342) or read their fact sheet.
Homelessness Prevention Program - This program provides limited financial assistance to low and moderate income tenants and homeowners in imminent danger of eviction or foreclosure due to temporary financial problems beyond their control. To learn more, contact the office in your area. Find a listing of local contacts here.
Learn more about the programs and services provided through the Department of Community Affairs (DCA) here.
The Social Service for the Homeless (SSH) program provides assistance to New Jersey residents who are at risk of homelessness, but are ineligible for Temporary Assistance for Needy Families welfare, General Assistance welfare or Supplemental Security Income. If you are eligible for this program, SSH may pay for emergency food or shelter for a limited time and may also provide money for rent, mortgage, utility and security deposit assistance.
In response to the economic distress that many in our state are suffering from, eligibility guidelines have been changed to include those with higher incomes (a family of four with a monthly income of not more than $6,183 is eligible for service) and the length of time for services has been extended to 4 months. Local assistance is available 24 hours a day. Find your area's hotline number.
Learn more about SSH.