Foreclosure Prevention in New Jersey

At The Waterfront Project, Inc., we believe no one should lose their home due to financial hardship. Our Foreclosure Prevention Program supports homeowners in Northern New Jersey facing the devastating threat of foreclosure, offering free legal aid, housing counseling, and resource navigation to help families remain secure.

Why It Matters

Preventing foreclosure doesn’t just save homes. It strengthens communities. When a family is displaced, the ripple effect includes higher emergency shelter costs, increased stress on public services, and long-term financial instability.

Studies show that investing in foreclosure prevention services saves public systems millions in emergency shelter, health care, and legal aid. By keeping homeowners housed, we promote economic mobility and neighborhood stability across New Jersey.

Every dollar invested in foreclosure prevention yields multiple dollars in taxpayer savings and improves long-term family well-being.

Our Impact

We focus on reaching the most vulnerable households in our service area, including seniors, low-income families, and first-time homeowners. Through personalized legal assistance and housing counseling, we’ve helped hundreds of families avoid foreclosure and stay in their homes.

How We Help

Personalized Counseling

Our team conducts a detailed intake to assess financial status, mortgage health, and client goals. Then, we develop a tailored foreclosure prevention plan.

Financial Analysis & Budgeting

Clients work with our HUD-certified counselors to create a realistic budget, reduce debt, and plan for long-term homeownership.

Exploring Foreclosure Alternatives

From loan modifications and forbearance to refinancing or repayment plans, we walk clients through each option and help them choose the best path forward.

Application Support

We help homeowners gather documents, complete applications, and meet lender requirements for relief programs or refinancing.

Negotiation with Lenders

Our staff advocates on clients’ behalf, communicating directly with banks or mortgage servicers to prevent foreclosure and pursue long-term stability.

Legal Representation in NJ Foreclosure Cases

If legal issues arise, our attorneys offer expert guidance and court representation, ensuring homeowners understand their rights and options.

Workshops & Housing Literacy Education

We provide group education sessions focused on credit repair, home retention strategies, and financial wellness.

Ongoing Support

We continue supporting clients after the initial plan, ensuring lasting outcomes and resilience.

Help Us Prevent the Next Foreclosure

Your gift supports critical foreclosure prevention services in New Jersey:

· $25 provides educational materials

· $100 helps fund one-on-one counseling

· $500 supports a full foreclosure case

Give families the support they need to stay housed and stable.