Faith Fellowship Ministries is another location that partners with churches and non-profits. The location has provided mortgage and foreclosure counseling to home buyers since 2001. With the housing crisis slightly better, but it is still in full effect in many communities, their efforts and programs have increased in scale. Today, the church has three full-time foreclosure counselors, almost 20 part-timers, and a waiting list of church members interested in helping other homeowners.
Abundant Life Fellowship in Delran ((215) 424-0591) directs homeowners to foreclosure service providers and assistance programs that best fit their housing needs.
In Gibbsboro, Generations Inc., which is an affiliate of Bethany Baptist Church, provides help for distressed homeowners up to the point of foreclosure. Four counselors are on staff to provide this free service. Dial (856) 783-7100.
In Philadelphia and the southern New Jersey area (including Princeton), Jewish Family and Children's Service (phone (609) 987-8100) provides free foreclosure advice through a grant from a family foundation. In addition, this non-profit agency also has credit-counseling, debt reduction and foreclosure-prevention services for area homeowners.
These churches have fully trained counselors on staff, and they are HUD certified. As just one example of how the church programs are effective, a housing counselor at one New Jersey agency helped a homeowner secure a loan modification with a 2 percent interest rate and a $500 reduction in their monthly mortgage payment.
Dial 888-989-5277 to start mediation or to find a church that provides free foreclosure counseling in New Jersey.