Home Ownership Preservation

Struggling to Pay Your Mortgage?

The Housing Partnership offers free, confidential counseling to residents in Morris, Sussex and Warren County. We are a HUD-certified counseling agency who understands the process and can be your liaison/advocate with your mortgage company. Schedule an appointment with one of our counselors who will help you:

  • Determine where you stand with your mortgage delinquency
  • Develop and review your household budget and credit
  • Work with you and your loan servicer to discover options that may be available to you
  • Prepare modification packages
  • Set an action plan for your individual situation

Schedule Your Appointment Today:

  1. COMPLETE our Online Form and someone will reach out to you shortly
  2. In the meantime Download and COMPLETE our intake packet to prepare for you appointment
  3. CONTACT US to schedule a FREE COUNSELING SESSION with our Homeownership Specialist


What can a Home Ownership Specialist help me with?

Your Home Ownership Specialist will help you get your paperwork in order and advise on any potential obstacles to review with your lender. Your Specialist will assist with submitting your documentation to your lender and working on your behalf towards a positive resolution.

Why is all of this documentation required?

The documents requested in the intake packet will help your Home Ownership Specialist get a complete picture of your financial situation so that they can make recommendations to avoid foreclosure. This documentation will also be required by your mortgage lender if we can help getting you a loan modification.

Why isn’t there a fee for this advocacy service?

Our area is one of the areas of greatest need for foreclosure prevention counseling in the country. The foreclosure prevention program is funded by the federal government and the cost of counseling is already covered by this funding.

When do I need to vacate my home?

You do not need to leave the home until after a Sheriff Sale on the property has taken place, this is the last step in the foreclosure process.