The foreclosure intervention program at HPNJ is a free program designed to assist clients who are in default or imminent default on their mortgage. We aid clients in achieving the goal of home retention or assist clients with transition options.
Appointments are offered virtually or in person for the client’s convenience and comfortability. Clients meet with their counselors on an as needed basis, each case is personalized to the client. Counselors assess client situations and determine if a client is eligible for any foreclosure assistance programs (NJERMA, Blue Hub Sun).
Clients are provided with tailed action plans throughout their time working with HPNJ that will aid the client in accessing community resources and identify
SMART goals to achieve goals of home retention for years to come.
The Housing Partnership offers free, confidential foreclosure counseling. We are a HUD certified counseling agency who understands the process and can be your liaison/advocate with your mortgage company.
Your Home Ownership Specialist will help you get your paperwork in order and advise on any potential obstacles to review with your lender.
Foreclosure prevention counseling is also paired with a financial capability curriculum as an additional aid in preventing repeat clients.
Step 1: Download and COMPLETE our intake packet: English or Spanish to prepare for your appointment – to be submitted via email.
Please fill out forms completely. The Housing Partnership asks demographic questions in order to be compliant with grant funders and reporting requirements. Answering the forms completely helps us help you and we thank-you in advance for your assistance in completing the forms.
Step 2: Collect and make copies of the documents listed below to be submitted with your intake packet
Step 3 (Optional): Take our FREE online Foreclosure course to prepare you to meet with your HomeOwnership Specialist
Step 4: Schedule Appointment With Our Homeownership Specialists
Once your HomeOwnership Specialist receives your completed intake with copies of the requested documentation they will call you to set up your appointment.
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.
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 needed to help with a request for mortgage assistance package required by most lenders..
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.
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.
Stephanie Otaegui
Housing Counseling Program Director
HUD-Certified Housing Counselor
Stephanie.otaegui@hpnj.us
Sabina Neto
Crisis Housing Counselor
HUD-Certified Housing Counselor-ERMA Lead
Sabina.neto@hpnj.us
