Falling behind on your mortgage payments or facing the loss of the home you so worked hard to purchase can be a frightening experience. Even worse, you may be bombarded by offers to remedy the situation from people who may not have your best interests at heart.
Isles is a certified housing counseling agency by the US Department of Housing and Urban Development (HUD) with no ties to realtors or mortgage companies. We work for you and offer free foreclosure prevention services including individual counseling and workshops on issues such as foreclosure prevention, loss mitigation and refinancing.
We will:
- Assess your circumstances and explain your mortgage options
- Review your credit and help you develop a household budget
- Establish a plan of action
- Negotiate with the lender/servicer of your loan when appropriate
- Provide referrals to resources for other needs/services
For help with your mortgage, please call: 609.341.4789 or click here for the Foreclosure Prevention Intake Form. You will need to complete this form and return it in order for us to schedule an appointment.
We are an approved foreclosure counseling agency of New Jersey Housing Mortgage Finance Agency and as such have counselors and resources available to help you. Click here for information about the New Jersey Foreclosure Mediation Program. If you are a homeowner and a foreclosure action has been filed against you, you may qualify for FREE foreclosure prevention counseling by an approved HUD/NJHMFA-certified housing counseling agency.
Do you have questions about the Federal Homeowner Affordability and Stability Plan, also know as HAMP? If so, visit www.makinghomeaffordable.gov.
Other important web sites:
- US Department of Housing and Urban Development: www.hud.gov
- New Jersey Housing Mortgage Finance Agency: www.state.nj.us/dca/hmfa
For more information about Foreclosure Assistance: 609.341.4789