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Alternatives to Foreclosure

Falling behind on your mortgage doesn’t have to mean losing your home. You may be eligible for the Judiciary’s pre-foreclosure mediation services or services through New Jersey Housing and Mortgage Finance Agency (NJHMFA) that may help you avoid foreclosure.

Find Help

NJHMFA can provide guidance on available options and information about the foreclosure process. This program was made possible through legislation that expanded available resources to include at-risk homeowners who may need counseling to help prevent possible foreclosure.


Homeowners who have not received a foreclosure complaint and who have not filed for bankruptcy can seek pre-foreclosure assistance from the Judiciary.

Getting Started

Complete the Pre-Foreclosure Questionnaire. We will review your information and contact you to let you know if you qualify for help. You can also complete and submit Request Form for Pre-Foreclosure Services.

Other Options

Contact your mortgage servicer to discuss your options. Ask to be considered for any available federal or state programs. Housing counselors are also available to assist by registering above.

Act Now

The sooner you act to save your home, the more options you will have.

If you do receive a foreclosure notice, you can still seek mediation and other options. Visit the foreclosure self-help page to learn more about the foreclosure process.

Be aware of scams.

Housing counseling services are free through the NJHMFA.

Companies that promise to help you get a loan modification, or notices to rescue your home from foreclosure, are popping up all over NJ. To protect yourself and your home, carefully check the company's credentials, reputation, and experience. Watch out for warning signs of a scam. Companies may falsely claim to be affiliated with a nonprofit or government entity or endorsed by government officials.

More information, including tips to avoid foreclosure scams, are outlined in the public announcement released by the Federal Reserve.