Blog - The Waterfront Project,Inc.

November 13, 2025

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 to operate, many families relying on FHA, VA, or USDA loans are left waiting, worrying,…

October 23, 2025

Addressing Recent Housing News: HUD Layoffs Threaten Housing Rights & Protections—We Must Resist

Article sources: HUD To Lay Off Hundreds As Government Shutdown Drags On OMB says ‘substantial’ federal employee layoffs have begun Federal Government Shutdown and Mass Layoffs Risks Crippling HUD in the Long Term | National Low Income Housing Coalition Over the past week, alarming news emerged: the Department of Housing and Urban Development (HUD) has sent layoff notices to hundreds of employees—cuts that disproportionately affect fair housing, public housing, and…

October 16, 2025

The Barriers to Home Ownership for Millennials and What The Waterfront Project Can Do

By Maria Mascola, HUD Certified Foreclosure Specialist The Waterfront Project is a free clinic helping in both Pre-Purchase and Post-Purchase Counseling. We understand the current difficulties due to the economy, rising housing costs, and interest rates that are affecting so many people’s ability to cross over from renting to homeownership. Working together, we can assist with budgeting and offer an opportunity for you to see if you qualify for down…

October 9, 2025

What Are My Rights as a Tenant in New Jersey?

At The Waterfront Project, we often hear from tenants who feel powerless when facing an eviction notice, unsafe housing conditions, or sudden rent increases. The truth is: tenants in New Jersey have strong legal rights—but too often, those rights go unprotected because people don’t know them or don’t have access to an attorney. Housing is a human right, and knowing your protections is the first step to keeping yourself and…

October 2, 2025

Addressing Recent Housing News: Jersey City Strengthens Rent Control Enforcement

On September 30, the Jersey City Council unanimously passed two ordinances to strengthen rent control enforcement and increase transparency for tenants. A third ordinance, which would clarify exemptions under state rent control law, was sent back to first reading for further review. These steps mark important progress toward holding landlords accountable and protecting tenants from unlawful rent hikes. For the thousands of Hudson County families living paycheck to paycheck, stronger…

September 19, 2025

The Waterfront Project’s Attorneys Stop Next-Day Eviction and Secure $2,300.00 Credit from Excess Security Deposit Charge

By Elizabeth Hurley, Legal Director of The Waterfront Project Ms. C. came to The Waterfront Project’s offices late in the afternoon with a Warrant for Removal stating she would be evicted the following morning. She had previously signed a settlement agreement to resolve her eviction case with a payment plan towards rental arrears but did not have an attorney. Her landlord had agreed to open her payment portal but kept…

September 15, 2025

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 to lose your home due to a zombie mortgage foreclosure. A zombie mortgageis a mortgage…

September 11, 2025

Addressing Recent Housing News in Newark, New Jersey: What a 30% Drop in Unsheltered Homelessness Means for Housing Justice

In a moment of deep housing insecurity across New Jersey, one story stands out as a beacon of hope: Newark has reduced unsheltered homelessness by more than 30% in just four years. This achievement, led by the city and Essex County’s coordinated Office of Homeless Services, shows that systemic change is possible when communities invest in housing solutions that meet people where they are. The strategies behind Newark’s success are…

September 9, 2025

The Waterfront Project’s Attorneys Reverse Eviction of 10-Year Tenant with Rent Control

Written by Elizabeth Hurley, Legal Director of The Waterfront Project The Waterfront Project’s attorneys met Mr. J. in court on a Wednesday after he had been evicted two days earlier from his rent-controlled apartment of 10 years. Mr. J. explained that he had been approved for rental assistance from Hudson County Department of Family Services (“HCDFS”), but the court found he had not provided sufficient proof that the grant was…

August 1, 2025

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 to both groups. Preserving Homeownership Homeowners of 1–4 family properties facing foreclosure are not without…