Enhances access to certain foreclosure counseling services.

This bill requires mortgage lenders in New Jersey to provide homeowners facing foreclosure with detailed written notices that include specific information about free housing counseling services. The notice must clearly explain the homeowner's right to access free counseling through the Foreclosure Mediation Program and list resources like the New Jersey Housing and Mortgage Finance Agency. It mandates that notices include contact details for local legal aid, the municipal affordable housing liaison (if applicable), and programs offering financial assistance to cure defaults. The law directly affects residential mortgage debtors and lenders, ensuring homeowners receive timely guidance to potentially avoid losing their homes. These changes amend existing foreclosure procedures under P.L.1995, c.244 and P.L.2019, c.64.