Get foreclosure counseling and mortgage help from churches in New Jersey.
New Jersey homeowners who fall behind on their mortgage or their property taxes can get help from a faith based organization. In other words, people are not limited to banks, attorneys, and government offices for help. Churches and faith-based charities in NJ run housing counseling programs, offer emergency money for past-due payments, and connect families to state foreclosure prevention resources. Learn more below about churches in NJ that help with a mortgage or foreclosure notice.
Their services complement the statewide programs managed by the New Jersey Housing and Mortgage Finance Agency and the Department of Community Affairs, and they often serve as the first place a struggling homeowner turns when they are facing a default notice or when struggling to pay a mortgage. Church-connected foreclosure help varies by county, but the most active include Catholic Charities agencies, Interfaith Neighbors, Lutheran Social Ministries of New Jersey, and a number of other local church-affiliated programs for members of the congregation.
It is that with their far-reaching networks at most local faith based groups in NJ, many local churches are proving to be effective at spreading word about foreclosure assistance programs. Each organization has its own structure, but the common goal is to help families resolve delinquent payments, restore communication with the mortgage servicer, and avoid the loss of a long-term home.
List of faith based organizations in NJ that help with a foreclosure
Catholic Charities is the largest church-based provider of housing and foreclosure-prevention services in the state. The diocesan has locations in Trenton, Metuchen, Newark, Camden, and Paterson NJ, all of which operate emergency housing assistance programs that include help for homeowners behind on their mortgage. These agencies are long-time partners of the New Jersey Department of Community Affairs’ Homelessness Prevention Program, which means they can directly use state funds to cover past-due mortgage payments when a household meets the income guidelines and can resume payments after assistance.
- Catholic Charities also maintains HUD-approved housing counseling services in several dioceses. That housing counseling arm works with homeowners facing a foreclosure, reviews loss-mitigation options with the servicer, prepares budgets, and assists with applications for local assistance programs in NJ or property tax installment plans. Offices across the state publish direct phone numbers for intake, including the Diocese of Trenton at 1-800-360-7711 and Catholic Family and Community Services in Paterson at 973-279-7100.
In Philadelphia and the southern New Jersey area (including Princeton NJ), 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 and is based at 707 Alexander Rd, Princeton, NJ 08540. Learn more about programs from Jewish Federation and Family Services groups.
Lutheran Social Ministries of New Jersey provides another set of faith-based mortgage assistance programs. While their core mission includes senior housing and social work, the organization has long participated in statewide homelessness prevention programs. LSS also partners with NJ legal-aid and foreclosure-prevention networks to support homeowners in crisis.
- In some counties they intake applicants for emergency housing stabilization funds. In other parts of the state Lutheran Services offers case management and referrals to HUD-approved foreclosure counselors. Their statewide site, which notes local program availability, is https://www.lsmnj.org/. Homeowners who are already in the foreclosure court process may be directed to Lutheran-affiliated programs when a judge or county resource guide lists them as a partner for foreclosure defense or mortgage loss-mitigation counseling.
Church-affiliated programs provide specialized assistance in some parts of the state for local parish members. For homeowners who are active members of a congregation, the local church is another option for emergency financial help. Or a member-services leader can often give referrals to other state and local financial resources. Their work is often paired with small emergency funds raised by the affiliated churches and check with your parish.
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