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Foreclosure Prevention Success Story
Written by Patricia Ellams, HUD Certified Foreclosure Specialist at The Waterfront Project In February 2025, a homeowner suddenly lost her husband, leaving her a widowed mother of three children and the primary caregiver for her 94-year-old veteran father. Her late husband had been the sole borrower on the mortgage and the only individual listed on
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Before You Buy: Understanding Homeowners Association (HOA) Fees
Written By William Paige, Certified Foreclosure Specialist at The Waterfront Project Before purchasing a home with Homeowners Association (HOA) dues, it is critical to understand both the benefits and the potential financial risks. HOAs are common in condominiums, co-ops, townhouses, and planned communities, and membership is mandatory when you buy a property governed by an
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WFP Foreclosure Team Addresses the Government Shutdown & Provides Resources
Written By the WFP Foreclosure Team A government shutdown may start in Congress, but its real impact is felt at the closing table—and in the lives of everyday Americans. Homebuyers face stalled loans and canceled closings, while current homeowners deal with delayed services and added uncertainty. Although programs like Fannie Mae and Freddie Mac continue
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What is a “Zombie” Second Mortgage?
By Patricia Ellams, Foreclosure Specialist at The Waterfront Project Zombie Mortgage Loan foreclosures are on the rise in New Jersey. If you’ve recently discovered along-forgotten second mortgage or Home Equity Line of Credit coming back to haunt you, it’simportant to understand your rights. Can I Lose My Home to a Zombie Mortgage? Yes, it’s possible
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Protecting Tenants and Homeowners in 1–4 Family Owner-Occupied Properties Facing Foreclosure
Written by William “Bill” Paige, Foreclosure Specialist- HUD Certified Housing Counselor The foreclosure process in New Jersey is complex, often misunderstood, and has far-reaching implications—not only for homeowners but also for renters residing in small, owner-occupied properties. At The Waterfront Project, Inc., our HUD-certified foreclosure counselors are at the forefront of efforts to provide vital support
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Happy Homeownership Month! – June 2025
By Maria Mascola, WFP HUD-Certified Housing Counselor and Foreclosure Specialist Here at The Waterfront Project (WFP), we believe that Housing is a Human Right! With June being Homeownership Month, we want to remind you that The WFP is here to assist you through this process. Reach out to one of our HUD-Certified Housing Counselors to help navigate your best options at reaching this fundamental human right. Every family deserves the opportunity to reap the benefits of homeownership—from building
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Support for Veterans Facing Foreclosure
By Willaim “Bill” Paige When a veteran purchases a home using a VA-guaranteed home loan, the loan is typically transferred to a mortgage servicer after closing. This servicer manages the loan, including receiving monthly payments and providing assistance if issues arise. If the veteran experiences difficulty making payments and the loan becomes delinquent, the VA
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Protecting Seniors from Foreclosure
By Patricia Ellams While many Seniors enjoy the financial freedom of owning their homes outright or possessing substantial equity, they often find themselves caught in a precarious balancing act. Their fixed incomes become tightropes they must walk daily, with unexpected financial storms, costly home repairs, skyrocketing property taxes, and mounting utility bills threatening to topple
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Mortgage Maintenance Education
By Maria Mascola and William Paige Since 2018, The Waterfront Project has been dedicated to helping New Jersey residents navigate the complexities of the foreclosure process. We now have a full team of HUD-Certified housing counselors who offer support and education to client’s while reminding them they don’t have to go through this alone. While
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Hailing the Successes of WinnCompanies’ Eviction Prevention Program: Lessons for New Jersey
By Carol Sainthilaire At The Waterfront Project, we believe in the transformative power of housing stability. We have been inspired by the recent efforts of WinnCompanies, one of the largest affordable housing operators, and their eviction prevention program. Despite the challenges faced, their initiative has provided valuable insights into how we can strengthen our own
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