Attention NJ Homeowners: FHA foreclosure complaints are now being filed in New Jersey by the following three mortgage servicing companies: Lakeview Loan Servicing LoanCare M&T Bank These are the first federally backed loan foreclosures we have seen since the start of the Covid-19 pandemic. If you have a government-backed loan serviced by one of these […]
Can I Apply For An Additional Stay of Sheriff’s Sale Through the HAF?
On December 8, 2021, the New Jersey Courts Announced that Eligible NJ Homeowners Can Now Apply For Additional Stay of Sheriff’s Sale The Supreme Court has authorized homeowners to request an additional stay for Sheriff’s Sales in residential foreclosures as long as they are eligible to receive relief from the Homeowner Assistance Fund (HAF) and […]
Can I Get a Loan Modification Without Documented Income?
Loan Modifications for People Who Have Not Filed Tax Returns or Who Work “Off the Books” If you are unable to show documented income, you may be eligible for a mortgage loan modification. If you have not been able to get a loan modification because of working off the books or failing to file tax […]
What is the Statute of Limitations for Second Mortgages in NJ?
Statute of Limitations For Collecting on Old Second Mortgages, HELOCs and Lines of Credit in New Jersey New Jersey statute N.J.S.A. 12A:3-118(b) states that if there have not been any payments made for more than 10 years and there has been no demand for payment in 6 years, the lender cannot collect from the borrower. […]
Can I Get a CARES Act Loan Modification in NJ?
My COVID-19 Mortgage Forbearance Period is Ending. What Should I Do? Due to the COVID-19 pandemic, many struggling homeowners have received mortgage forbearance when they have been unable to make their monthly payments. Many homeowners have received their forbearance through the CARES Act, which has provided forbearances for federally backed mortgages. During the mortgage forbearance […]
NJ Mortgage Forbearance Ends June 30
COVID-19 Mortgage Forbearance is Ending June 30, 2021 On March 19, 2020, New Jersey Governor Phil Murphy issued Executive Order 106, which suspended eviction and foreclosure removals throughout the state. On March 28th, Murphy announced that financial institutions would be providing mortgage forbearance for NJ residents facing hardship due to the COVID-19 pandemic. This mortgage […]
Why Did My Lender Reject My Loan Modification?
We get many calls from clients who believed they qualified for a loan modification and spent a great deal of time and effort to apply for a loan modification, only to find out that they never qualified for a modification, and no matter what they did, they would have been denied. The loan modification application […]
Flagstar Mortgage Data Breach
Flagstar Mortgage Data Breach We have become aware that a data breach has occurred at Flagstar Mortgage. If Flagstar has been your mortgage servicer, I wanted to reach out to you to let you know that you may get a letter from Flagstar indicating whether or not you were part of the breach. If Flagstar […]
Why is Someone Else’s Name on my Credit Report?
Why is Someone Else’s Name on my Credit Report? Credit reports can sometimes show inaccurate information. According to a study conducted by the Federal Trade Commission, about 1 in 4 people identified errors in their credit reports that might affect their credit scores. Errors on your credit report can lower your credit score, costing you […]
Evictions for Commercial Tenants are Resuming
While commercial foreclosures have continued to proceed during the COVID-19 pandemic, courts have paused issuing writs of possession and enforcing evictions, as well as other post-judgment actions. However, New Jersey courts will resume issuing writs of possession for commercial foreclosures effective February 15, 2021. Landlords can apply for an Order to Show Cause for eviction […]
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