--- title: New Jersey Number Two in Country for Foreclosures description: New Jersey continues to struggle with a foreclosure rate that's much worse than the national average with one in every 216 homes in foreclosure. image: https://blog.amerihopealliance.com/hubfs/NewJERSEY-486027-edited.jpg --- [![Foreclosure and Loan Modification Lawyers](https://blog.amerihopealliance.com/hs-fs/images/forclosure-attorneys.png?width=360&height=117&name=forclosure-attorneys.png "Foreclosure and Loan Modification Lawyers")](https://www.amerihopealliance.com/) - Practice Areas - [Foreclosure Defense](https://amerihopealliance.com/foreclosure-defense) - [Claim Surplus Funds](https://amerihopealliance.com/surplus-funds) - [Loan Modification](https://amerihopealliance.com/loan-modification) - [Tax Resolution & Tax Preparation](https://amerihopealliance.com/en/amerihope-alliance-tax-resolution) - [Bankruptcy](https://amerihopealliance.com/en/bankruptcy) - [Probate](https://amerihopealliance.com/en/probate) - [About Us](https://amerihopealliance.com/about_us) - [Case Results](https://legal.amerihopealliance.com/case-results) - [Client Login](https://amerihopealliance.com/client_login) - [FAQ](https://amerihopealliance.com/frequently-asked-questions) - [Contact Us](https://amerihopealliance.com/contact_us) - [Blog](https://blog.amerihopealliance.com/blog) - [Foreclosure and Loan Modification Blog](https://blog.amerihopealliance.com/blog) - [Personal Injury Blog](https://blog.amerihopealliance.com/personal-injury) - [Referrals](https://amerihopealliance.com/surplus-case-referral) ph: (877) 882-5338 # Foreclosure and Loan Modification Blog - [Blog](https://blog.amerihopealliance.com/blog) - Foreclosure and Loan Modification Blog ## New Jersey Number Two in Country for Foreclosures \[fa icon="clock-o"\] Friday, May 6, 2016 \[fa icon="user"\] [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) \[fa icon="folder-open'\] [new jersey foreclosure attorney](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-attorney), [new jersey foreclosure process](https://blog.amerihopealliance.com/blog/topic/new-jersey-foreclosure-process), [loan modification](https://blog.amerihopealliance.com/blog/topic/loan-modification), [foreclosure](https://blog.amerihopealliance.com/blog/topic/foreclosure) ![New Jersey continues to struggle with a foreclosure rate that's much worse than the national average with one in every 216 homes in foreclosure compared to one in 459 for the nation.](https://blog.amerihopealliance.com/hs-fs/hubfs/NewJERSEY-486027-edited.jpg?width=400&name=NewJERSEY-486027-edited.jpg "New Jersey continues to struggle with a foreclosure rate that's much worse than the national average with one in every 216 homes in foreclosure compared to one in 459 for the nation.")In the first quarter of 2016 the U.S. saw less foreclosure activity than in any quarter since the fourth of 2006. But New Jersey continues to struggle with a foreclosure rate that's **much worse** than the national average. Nationwide, one in every 459 homes in the country had a foreclosure filing in the first quarter of 2016. But **in the garden state it's one in 216.** According to RealtyTrac's Foreclosure Market Report the only state with more is Maryland with one in every 194 housing units having a default notice, scheduled foreclosure auction, or bank repossession. **Southern Jersey and Atlantic County are struggling particularly hard.** Atlantic County has the highest foreclosure activity of any of the over 3,100 counties in the country with one in every 106 houses having a foreclosure filing in the first quarter of 2016. In Cumberland County, one housing unit in every 159 had some foreclosure activity in the first quarter of this year. In Trenton, New Jersey it's one in every 168, and one out of every 221 in Ocean County. ## Foreclosures Hurting Home Prices With so many foreclosed properties on the market, many of them in poor condition and selling at a deep discount, the median price of homes in affected areas has been dragged down. To wit, **the median sale price for a home in Atlantic County was $184,000 in March, 2016 compared to $211,500 in March 2015**. In Cape May County, the median price for the sale of a single-family home was $305,000 last March. This March it was $260,000, which is **a drop of almost 15%**. It wasn't all bad news. Ocean County saw the median price of homes sold rise 5.7%, year-over-year for the month of March to $261,000 ## Foreclosures Concentrated In Select States, Regions New Jersey has some company. Other states are struggling to reduce their numbers of foreclosures as well. **Florida comes in at the fifth worst in the country** with one in every 274 housing units having a foreclosure filing in the first quarter of 2016. Illinois, Pennsylvania, and New York also have worse than average foreclosure rates. The metropolitan areas of Syracuse, Utica-Rome, and Binghamton, New York actually [reached a new foreclosure peak](http://www.realtytrac.com/news/foreclosure-trends/q1-2016-u-s-foreclosure-market-report/). ## Housing Crisis Not Over The bad foreclosure news in New Jersey and other states and regions of the country is a reminder that, although much improved, **the housing and foreclosure crisis is [not over](https://blog.amerihopealliance.com/blog/why-wont-this-foreclosure-crisis-end-already)**. Millions of homeowners continue to struggle to make their mortgage payments. And many owe [more on their mortgage loan than their home is worth](https://blog.amerihopealliance.com/blog/your-home-is-underwater-what-can-you-do-about-it). Six million people have already lost their homes to foreclosure. If you're in foreclosure, there are options to fight or delay it. You can take advantage of the fact that New Jersey is a [judicial foreclosure state](https://blog.amerihopealliance.com/blog/does-your-state-require-judicial-or-nonjudicial-foreclosure), which means you have more rights and time before losing your home than in a nonjudicial foreclosure state. On average, it takes more than 1,000 days to foreclose in New Jersey. If you want to keep your home you can use that time to apply for a [loan modification](https://blog.amerihopealliance.com/blog/7-loan-modification-facts), which can **permanently lower your monthly mortgage payment** to an affordable portion of your income. It's even possible to [reduce principal](https://blog.amerihopealliance.com/blog/principal-reducing-loan-modifications-may-be-coming-for-fannie-mae-and-freddie-mac-loans), and the amount you're underwater, through a loan modification. Most borrowers who apply on their own are [denied](https://blog.amerihopealliance.com/blog/bid/278385/Why-is-my-loan-modification-denied), so it's a good idea to work with a professional who has experience getting the results you want.   [![Download the free guide to applying for a loan modification.](https://no-cache.hubspot.com/cta/default/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/7f427dc3-cfa7-4796-9b6b-bb943e56683a)   [![Download The 12 Important Questions To Ask A New Jersey Foreclosure Attorney](https://no-cache.hubspot.com/cta/default/161513/38dfc71a-de0c-413a-9d95-0cbe2e75011e.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/38dfc71a-de0c-413a-9d95-0cbe2e75011e) - [Tweet](https://twitter.com/share) ![Maxwell Swinney](https://blog.amerihopealliance.com/hs-fs/hub/161513/file-397888097.jpg?width=100&height=100&name=file-397888097.jpg) #### Written by [Maxwell Swinney](https://blog.amerihopealliance.com/blog/author/maxwell-swinney) ### About this Blog Amerihope Alliance Legal Services is a leading loan modification and foreclosure defense law firm with attorneys licensed in 5 states. We have helped over 7,000 homeowners fight back and keep their homes. [![Click to Read Our Super Loan Mod Success Stories](https://no-cache.hubspot.com/cta/default/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953.png)](https://cta-redirect.hubspot.com/cta/redirect/161513/ae6b7cd7-c502-4ee5-a643-cd8deff48953) Our goal is to provide valuable information to help homeowners who are trying to obtain a loan modification or to stop foreclosure. You may schedule a [free consultation](https://www.amerihopealliance.com/free_consultation) at any time. ### Subscribe to Email Updates - Popular - Recent - Topics ![feature image](https://blog.amerihopealliance.com/hubfs/images/Affirmative-517166-edited.jpg) [Using Affirmative Defenses When Answering A Foreclosure Complaint](https://blog.amerihopealliance.com/blog/using-affirmative-defenses-when-answering-a-foreclosure-complaint) Published December 3, 2019 ![feature image](https://blog.amerihopealliance.com/hubfs/images/auction2.jpg) [What If Your Home Doesn't Sell At Foreclosure Auction?](https://blog.amerihopealliance.com/blog/what-if-your-home-doesnt-sell-at-auction) Published October 13, 2018 ![feature image](https://blog.amerihopealliance.com/hs-fs/file-371665267-jpg/images/us-bank-logo-slim.jpg) [How Our Attorneys Beat U.S. Bank, A True Foreclosure Stooge](https://blog.amerihopealliance.com/blog/how-our-attorneys-defeated-us-bank-stooge-foreclosure) Published November 6, 2013 ![feature image](https://blog.amerihopealliance.com/hubfs/images/Danger-124412-edited.jpg) [Avoid Inheriting A Timeshare By Filing "Disclaimer of Interest"](https://blog.amerihopealliance.com/blog/avoid-inheriting-a-timeshare-by-filing-disclaimer-of-interest) Published June 18, 2018 ![feature image](https://blog.amerihopealliance.com/hubfs/images/padlocked-home.jpg) [What Do You Do If Your Bank Changes the Locks on Your House?](https://blog.amerihopealliance.com/blog/what-do-you-do-if-the-bank-changes-the-locks-on-your-house) Published October 19, 2016 ### Lists by Topic - 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