Enhances access to certain foreclosure counseling services.

New Jersey Senate Bill S 2926 requires mortgage lenders to notify the New Jersey Housing and Mortgage Finance Agency (HMFA) within one business day when sending a foreclosure notice to a homeowner. This enables HMFA to proactively offer free foreclosure counseling services to affected homeowners, regardless of whether they plan to use the Foreclosure Mediation Program. The bill expands access to existing counseling resources by mandating outreach after lenders issue foreclosure notices, building on the current Foreclosure Mediation Assistance Program. It directly affects homeowners facing mortgage default who receive foreclosure notices, ensuring they can access counseling support without needing to participate in mediation first.