Stop Foreclosure in New Jersey: Expert Help for NJ Homeowners

Are you a New Jersey homeowner falling behind on mortgage payments? You are not alone. New Jersey has some of the highest foreclosure rates in the nation, but it also offers strong legal protections for homeowners. Since 1997, United Capital Mortgage Assistance (UCMA) has helped thousands of homeowners—including many across the Garden State—save their homes.

Whether you have just received a Notice of Intention to Foreclose (NOI) or have a Sheriff Sale scheduled at your county courthouse, immediate action is your best defense.

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Call UCMA at 1-800-474-1407 for your Free No-Obligation Consultation or Click Contact UCMA and we’ll call you! Trusted by Thousands Since 1997.

Understanding New Jersey Foreclosure Laws

New Jersey is a Judicial Foreclosure State, meaning the bank must sue you in the Superior Court of New Jersey to take your home. This process takes time, often 12 months or longer, giving you a critical window to fight back.

• The Notice of Intention (NOI):Under the NJ Fair Foreclosure Act, lenders must send this notice via certified mail at least 30 days before filing a complaint. This is your “warning shot”—do not ignore it.
• The Right to Cure:You have the legal right to pay the overdue amount to reinstate your loan, but for most homeowners, a Loan Modification is the more realistic path to financial stability.

Official New Jersey Government Resources

We believe in transparency. As part of your research, we encourage you to review these state-sponsored resources:

• NJ Foreclosure Mediation Program:A court-mandated program that allows homeowners to meet with their lender and a neutral mediator. Visit NJ Courts Mediation
• New Jersey Housing and Mortgage Finance Agency (NJHMFA):Offers counseling and the ERMA (Emergency Rescue Mortgage Assistance) program. Visit NJHMFA
• Legal Services of New Jersey (LSNJ):Provides free legal assistance to low-income residents facing civil legal problems, including foreclosure. Visit LSNJ

Why Choose UCMA?

Government programs are vital, but they are often overwhelmed. The NJ Mediation program, while helpful, often requires you to submit complex financial packages that lenders routinely reject due to “missing documents.”

• We Are Your Advocates:UCMA works directly for you, preparing the specific financial presentation lenders require to approve a modification.
• 25+ Years of Experience:We have been resolving mortgage delinquencies since 1997.
• Proven Results:We have successfully stopped Sheriff Sales in counties from Bergen to Burlington.

Read our Success Stories: See how we’ve helped others on our Client Success Stories & Case Studies

Frequently Asked Questions (NJ Homeowners)

Q: What is the NJ Foreclosure Mediation Program? A: It is a program where a neutral mediator helps you and your lender discuss alternatives to foreclosure. However, simply entering mediation does not guarantee a solution. You must present a valid financial case for a loan modification—which is exactly what UCMA specializes in preparing.

Q: I received a “Summons and Complaint.” What do I do? A: This means the lawsuit has officially started. You typically have 35 days to file an “Answer” with the court. You should contact us immediately at 1-800-474-1407 to discuss how to pause this process through loss mitigation.

Q: Can I stop a Sheriff Sale in New Jersey? A: Yes. In NJ, you have the statutory right to adjourn (postpone) a Sheriff Sale twice for 28 days each. We can help you understand how to use this time to negotiate a permanent solution with your lender.

Don’t Let the Bank Take Your Home. Get a free, no-obligation analysis of your situation today.

• Apply for Help Online
• Call Us:1-800-474-1407
• Read More: Visit the UCMA Blog for the latest tips on foreclosure prevention.