Housing Q&A: A panel discussion on navigating New Jersey's homeowner protections
“Properties that were already sold will be the first to get notices of eviction, and there are opportunities to request more time from a judge.” 15, 2021 everyone will get kicked out - a sheriff is not just going to show up at your door and order you to leave,” Flanigan said. The state moratorium impacted homeowners in the final stage of the foreclosure process, and didn’t allow families to be physically removed from their properties starting Maif their home was sold at a sheriff’s sale. New Jersey’s foreclosure process can last a year and a half and contains many steps, court filings and opportunities to save your home. The most immediate: New Jersey’s foreclosure moratorium ends on Nov.
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To find a free housing counselor in your area, visit the New Jersey Housing and Mortgage Finance Agency website. New Jerseyans can contact Legal Services at or call 88. “In the last year, a bunch of really favorable new options opened up, because it doesn’t benefit the banks to see huge swaths of neighborhoods foreclosed.” “We get a lot of people telling us they tried to get a loan modification or help from their banks two years ago but were turned down, but there are a lot of new options now that didn’t exist even a year ago,” said Maryann Flanigan, chief counsel of disaster relief and foreclosure at the Legal Services of New Jersey. The key piece of advice for those who missed or think they may miss a mortgage payment: Talk to an attorney or a federal Housing and Urban Development certified counselor, who offer free legal and mediation services, even if you’ve already sought advice in the past. It can be difficult to discern all the options New Jersey, the federal government and mortgage lenders offered to protect struggling homeowners unable to pay their mortgage, property tax or utility bills during the coronavirus pandemic.
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