Are you a New Jersey homeowner facing foreclosure? There are now several programs available to homeowners throughout the state and right here in Ocean County, New Jersey who are threatened with foreclosure.

There's a Foreclosure Mediation Program which provides an opportunity for qualified New Jersey homeowners who are facing foreclosure to receive help from housing counselors, attorneys, and a neutral mediator to resolve the problems many homeowners in the Garden State are facing.

This program attempts to assist homeowners avoid foreclosure by proposing work-out and payment arrangements between the homeowner and their lender.  It's free with court trained mediators.

The Office of the Courts Foreclosure Mediation Program will also provide lawyers to income-eligible homeowners. Information is available at 888-989-5277 to sign up or visit www.njforeclosuremediation.org.

There is also the Hope Hotline 1-888-995-HOPE offering free, confidential help and assistance to homeowners with mortgage problems 24 hours a day / 7 days a week in both English and Spanish.

Many New Jersey housing counseling agencies now have employees trained in foreclosure prevention.

In Ocean County housing counseling is available through O.C.E.A.N., Inc., located at 22 Hyers Street, Toms River, NJ 08753 or reach them by phone at 732-244-2351, ext 14.
 
They've partnered with the New Jersey Housing and Mortgage Finance Agency and staff has been specifically trained in foreclosure prevention and asset preservation. These trained counselors can set up a plan of action designed for your specific situation.  They will do their best to help you find a solution.

Then there's the Mortgage Assistance Program will provide funding to homeowners to bring mortgages current or to refinance or renegotiate the terms of the mortgage. Ocean County homeowners must work through O.C.E.A.N., Inc. to determine eligibility.

First and foremost, if you are having trouble meeting your mortgage commitment, reach out for help as early as possible.  That is key to a successful solution to a problem many New Jersey homeowners are facing.

If, after counseling, it’s determined a short sale of your home is necessary please contact me.  I’ve got the experience to work with you and your lender to get your home sold quickly.

Keller Williams
Atlantic Shore
Laura Giannotta
609-384-6121

Laura@JerseyShoreViews.com