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Resources for homeowners facing foreclosure

Sheriff Strada runs down a list of resources available to provide assistance.

If you are a homeowner experiencing difficulty making your mortgage payments or you are already facing foreclosure, you are not alone. Help is available but you can’t procrastinate or hope the problem will just go away. The further behind you get, the fewer options you may have to save your home or avoid foreclosure.

The links which follow can provide assistance to homeowners in distress.


New Jersey’s Emergency Rescue Mortgage Assistance (ERMA) Program The Emergency Rescue Mortgage Assistance program (ERMA) was developed by the New Jersey Housing and Mortgage Finance Agency (NJHMFA) to deploy federally allocated HAF funds to assist eligible NJ homeowners who have been financially affected by COVID-19. The program will help homeowners bring their mortgages and other housing related expenses current.

New Jersey Judiciary Foreclosure Mediation Program This program, launched in 2009, gives eligible homeowners access to housing counselors, lawyers and mediators who may help homeowners in foreclosure remain in their homes. It is a partnership of the judiciary, the Office of the Attorney General, the Housing & Mortgage Finance Agency, Legal Services of New Jersey, the Office of the Public Advocate and the Department of Banking and Insurance. Call toll-free: 1.888.989.5277.


Making Home Affordable This program is a component of the Obama administration’s strategy to help homeowners avoid foreclosure, stabilize the country’s housing market, and improve the nation’s economy. The primary goal is to give homeowners struggling to maintain their home mortgage payments the opportunity to refinance or obtain a loan modification.


NJ HomeSaver Program This program provides financial assistance to New Jersey homeowners who have a track record of making their mortgage payments on time but are now at risk of losing their homes to foreclosure as a direct result of unemployment or substantial underemployment.

Additional Resources:

  • Loan Scam Alert—What You Should Know

  • Loan Modification Scam Alert Campaign

  • Consumer Alert: Home Mortgage Foreclosures/Subprime Lending

  • Legal Services of New Jersey: Anti-Predatory Lending Project

  • Ten Warning Signs of Abusive/Predatory Lending

For Tenants:

  • NJ’s Public Advocate: The Rights of Tenants During Foreclosure