It is a court-run program that brings you and your lender together with a neutral mediator, at no cost to eligible homeowners.
It is available once a foreclosure complaint has been filed, and eligible homeowners may also receive free housing counseling and legal assistance alongside it. Because it costs nothing and does not require you to give anything up, it is one of the strongest options available to a homeowner who wants to keep their home. Details are available through the New Jersey Courts.
Mediation runs alongside the lawsuit rather than pausing it, so keep answering court deadlines while it proceeds. Arrive prepared: a completed financial worksheet, proof of income, and a realistic monthly number you can actually pay make the difference between a mediation that produces a modification and one that produces a follow-up meeting. A free HUD counselor can help you assemble exactly that package.
The free two-minute assessment turns general answers into your specific next step.
See My Options, FreePeople also ask
Educational information, not legal advice. Your own court documents control your deadlines; a licensed New Jersey attorney can confirm what applies to your case.