New Jersey HUD approved foreclosure counseling agencies.
New Jersey homeowners who fall behind on mortgage payments have more options — and more time — than they often realize. A HUD-certified housing counselor, as listed below, can work with your lender on your behalf, help you build a case for loss mitigation, and guide you through the state's foreclosure mediation process if things have progressed that far. All of the agencies below take clients from anywhere in New Jersey by phone — so don't limit yourself to whoever is geographically closest. For other options, such as state mortgage assistance programs including EMAP, see New Jersey mortgage assistance programs.
In addition to below, there are other options to use. They include the NJHMFA current county-by-county agency list at https://www.nj.gov/dca/hmfa/consumers/foreclosure/counselor/. HUD also has a customer service at (800) 569-4287.
North Jersey — Bergen, Hudson, Passaic, Sussex, Essex, Morris, Union, and Warren Counties
Bergen County's housing market ranges from affluent suburbs to dense working-class cities like Hackensack. Hudson County — Jersey City, Bayonne, Union City — has one of the highest renter-to-owner transition rates in the state. Passaic County includes Paterson, where bilingual counseling is essential. Essex County contains Newark, New Jersey's largest city, which has a concentration of experienced foreclosure counseling agencies. Morris County's Housing Partnership is one of the most comprehensive community development agencies in northern New Jersey.
County of Bergen Department of Human Services — Division of Senior Services
1 Bergen County Plaza, Floor 2, Hackensack, NJ 07601. Phone: (201) 336-7431
Focuses on mortgage delinquency and reverse mortgage counseling for Bergen County's senior residents specifically.
Fair Housing Council of Northern New Jersey
131 Main Street, Suite 140, Hackensack, NJ 07601. Phone: (201) 489-3552 — Website: https://fairhousingnj.org/
Provides mortgage delinquency counseling, pre-purchase counseling, and rental counseling. Unique service: Combines HUD housing counseling with active fair housing enforcement — a resource for homeowners who believe discriminatory lending contributed to their situation.
Greater Bergen Community Action
392 Main Street, Hackensack, NJ 07601. Phone: (201) 968-0200 — Website: https://www.greaterbergen.org/
Provides pre-purchase counseling, homebuyer education, home improvement counseling, budgeting workshops, and rental counseling. English and Spanish.
Hudson County Housing Resource Center
830 Bergen Avenue, Suite 1A, Jersey City, NJ 07306. Phone: (201) 795-5615
Provides rental counseling. Unique service: One of a small number of HUD agencies nationally offering counseling in American Sign Language alongside English, Spanish, and Portuguese.
The Waterfront Project
830 Bergen Avenue, Suite 4A, Jersey City, NJ 07306. Phone: (551) 256-7578
Provides pre-purchase, post-purchase, rental, and financial management counseling. English and Spanish.
North Hudson Community Action Corporation
407 39th Street, Union City, NJ 07087. Phone: (201) 866-3140 — Website: https://nhcac.org/
Provides pre-purchase counseling, homebuyer education, fair housing education, and rental counseling for the North Hudson corridor — Union City, West New York, North Bergen..
Housing Authority of the City of Paterson
60 Van Houten Street, Paterson, NJ 07505. Phone: (973) 345-5080
Provides pre-purchase counseling, homebuyer education, and financial management. English and Spanish.
Paterson Task Force for Community Action
191 Market Street, Paterson, NJ 07505. Phone: (973) 279-2333 ext. 134 — Website: https://patersontaskforce.com/
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, fair housing education, budgeting workshops, and rental counseling. English.
Homes of Montclair Ecumenical Corp. (HomeCorp)
17 Talbot Street, Montclair, NJ 07042. Phone: (973) 744-4141
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, and home improvement counseling for Essex County's suburban communities..
Catholic Charities of the Archdiocese of Newark
590 North 7th Street, Newark, NJ 07107. Phone: (973) 596-4100 — Website: https://ccannj.org/
Provides rental counseling and homeless prevention services. They handle English and Spanish customers.
La Casa de Don Pedro
75 Park Avenue, Newark, NJ 07104. Phone: (973) 482-8312
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement counseling, and budgeting workshops. Unique service: One of Newark's most established Latino community organizations, with bilingual counselors serving primarily Spanish-speaking homeowners in the North Ward.
NACA (Neighborhood Assistance Corporation of America) — Newark
60 Park Place, 15th Floor, Newark, NJ 07102. Phone: (973) 679-2601
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, fair housing and predatory lending education. Unique service: NACA's mortgage modification advocacy works directly with servicers and is distinct from standard loss mitigation — a valuable option for homeowners who have not gotten traction through their servicer's normal channels.
New Community Federal Credit Union
274 South Orange Avenue, Newark, NJ 07103. Phone: (973) 621-2363 — Website: https://www.newcommunityfcu.org/
Provides pre-purchase counseling, homebuyer education, fair housing and predatory lending education. Unique service: A credit union that combines HUD-certified housing counseling with direct access to affordable loan products — creating a path from counseling to financing that standalone agencies cannot offer. English, Spanish, and Hindi.
Tri-City Peoples Corporation
675 South 19th Street, Newark, NJ 07103. Phone: (973) 675-4484
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement counseling, rental counseling, and homeless services.
Urban League of Essex County
508 Central Avenue, Newark, NJ 07107. Phone: (973) 624-9535 — Website: https://ulec.org/
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, predatory lending education, rental counseling, budgeting workshops, and homeless services.
New Jersey Citizen Action — Newark Office (serves North and Central Jersey counties statewide)
625 Broad Street, Suite 270, Newark, NJ 07102. Phone: (973) 643-8800 | Toll-free: (800) 656-9637 — Website: njcitizenaction.org
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement and rental counseling. Unique service: One of the few agencies participating in NJ Housing and Mortgage Finance Agency's Foreclosure Mediation Assistance Program (FMAP), which provides structured mediation between homeowners and lenders through the courts. English and Spanish provided.
Housing Partnership of New Jersey (Morris County and surrounding area)
2 East Blackwell Street, Suite 12, Dover, NJ 07801. Phone: (973) 659-9222
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement counseling, rental counseling, financial empowerment workshops, and down payment assistance loans. Unique service: Operates as both a HUD counseling agency and a Community Development Financial Institution (CDFI), meaning they can provide direct affordable lending in addition to counseling — one of very few agencies with this dual capacity. English and Spanish.
Urban League of Union County
1139 East Jersey Street, Suite 515, Elizabeth, NJ 07201. Phone: (908) 351-7200
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, fair housing education, budgeting workshops, rental counseling, and homeless services. English and Spanish.
NID-HCA Plainfield (Union County)
311 Park Avenue, Plainfield, NJ 07060. Phone: (908) 941-1112 — Website: https://www.nidhousing.com/
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement counseling, rental counseling, and homeless services..
South Jersey — Burlington, Camden, Gloucester, Atlantic, Cape May, Cumberland, and Salem Counties
Camden is one of New Jersey's most distressed housing markets, with multiple active counseling agencies each serving distinct communities. South Jersey's coastal and rural counties are primarily served by Consumer Credit and Budget Counseling, which handles phone and online counseling across a wide geographic area.
Burlington County Community Action Program (BCCAP)
One Van Sciver Parkway, Willingboro, NJ 08046 Phone: (609) 835-4329 option 2 — Website: https://www.bccap.org/
Provides financial management, rental counseling, and homeless prevention services for Burlington County..
Senior Citizens United Community Services of Camden County (SCUCS)
537 West Nicholson Road, Audubon, NJ 08106. Phone: (856) 456-1121
Provides financial management, home improvement counseling, pre-purchase counseling, rental counseling, reverse mortgage counseling, and homeless services.
Neighborhood Housing Services of Camden
601-603 Clinton Street, Camden, NJ 08103. Phone: (856) 541-0720
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, home improvement counseling, and budgeting. Unique service: Administers a First Time Homebuyer Grant Program in addition to standard counseling, and provides services in Vietnamese alongside English and Spanish — addressing a segment of Camden's population most other agencies cannot reach.
Parkside Business and Community In Partnership (PBCIP)
1487 Kenwood Avenue, Camden, NJ 08103. Phone: (856) 964-0440
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, and rental counseling. Unique service: Focused specifically on Camden's Parkside neighborhood, with deep knowledge of local redevelopment programs that can benefit distressed homeowners in that corridor.
St. Joseph's Carpenter Society
20 Church Street, Camden, NJ 08105. Phone: (856) 966-8117
Provides pre-purchase counseling, homebuyer education, budgeting workshops, and rental counseling. Unique service: Integrates housing counseling with their own home construction and renovation programs — providing a complete path from counseling to homeownership for buyers in Camden's most distressed neighborhoods.
Clarifi (formerly CCCS of Delaware Valley) (serves Camden, Burlington, and surrounding counties)
1060 Kings Highway North, Suite 315, Cherry Hill, NJ 08034. Phone: (800) 989-2227 — Website: https://www.clarifi.org/.
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, rental counseling, and financial management. Unique service: In addition to HUD housing counseling, Clarifi provides comprehensive debt management and credit counseling — a strong option when mortgage distress is intertwined with broader unsecured debt problems..
GreenPath Financial Wellness (serves Camden and surrounding counties)
1060 Kings Highway North, Suite 315, Cherry Hill, NJ 08034. Phone: (866) 406-2062 — Website: https://www.greenpath.com/housing/.
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, fair housing education, and rental counseling. Phone and online counseling available statewide.
New Jersey Citizen Action — Cherry Hill Office (serves Camden, Cumberland, Gloucester, and Salem Counties)
1040 Kings Highway, Suite 308, Cherry Hill, NJ 08034. Phone: (856) 966-3091 | Toll-free: (800) 656-9637 — Website: https://www.njcitizenaction.org/.
Provides mortgage delinquency counseling, pre-purchase counseling, and home improvement counseling. Covers English and Spanish using their HUD counselors.
Consumer Credit and Budget Counseling (DBA National Foundation for Debt Management)
299 South Shore Road, Marmora, NJ 08223. Phone: (609) 390-9652 (Atlantic, Cape May, Cumberland, Gloucester, Salem) | (888) 738-8233 (statewide). Website: https://cc-bc.com/.
Provides mortgage delinquency counseling, pre-purchase counseling, homebuyer education, financial management, rental counseling, reverse mortgage counseling, and homeless services. Unique service: Serves as the primary HUD counseling resource across six South Jersey counties including the entire coastal and rural south. Phone and online counseling available statewide.
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