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A 38 year old, Trenton-based nonprofit that fosters self-reliant families and healthy, sustainable communities.

Foreclosure Assistance

Foreclosure Assistance

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
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.   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.
NJ Housing Mortgage Finance Agency: Offers housing resources for rentals, homeownership, and  foreclosure

Foreclosure Assistance Package

In order to properly assist you with your mortgage issue, we need your assistance in providing us with complete information about your mortgage, income, and any correspondence you have received from your lender.  The information we are requesting from you will enable our housing counselors to begin to develop a plan to assist you with your mortgage problem.  We know that it’s a lot of information, but since mortgage issues are complicated, we need each document in order to be of assistance.

We have provided a checklist to help you keep all of the information in order.

Click the links below to open the required documents.  Once you have filled out the forms, please return the Foreclosure Assistance Package to us by email at, fax (609.341.4767), regular mail (Isles, 10 Wood Street, Trenton, NJ 08618.  After we receive your package, we will schedule a meeting with one of our HUD certified housing counselors. 
Foreclosure Assistance Forms and Documents
Foreclosure Assistance Packet, which includes the following documents:
  • Customer Checklist
  • Isles Request for Service Form and disclosure statements
  • Intake Questions
  • Budget
  • Making Home Affordable Certification
Questions? Email Elena at or call 609.341.4783.
To assure full participation in our services, accommodations for effective communication, such as sign  language interpreters or printed materials in an alternate format or a language interpreter for non-English speaking participants, must be requested at least five (5) working days prior to the date of the scheduled appointment or event. Requests for ADA accommodations and/or a language interpreter should be directed to Elena at 609.341.4783 or