Enhances access to certain foreclosure counseling services.

This bill requires mortgage lenders in New Jersey to provide detailed foreclosure notices that explicitly inform borrowers of free housing counseling services through the Foreclosure Mediation Program. It directly affects residential mortgage debtors facing foreclosure, particularly those with properties subject to affordability restrictions. The key provision mandates that notices include specific information about accessing no-cost counseling, regardless of whether the borrower participates in mediation. This expands access by requiring lenders to include contact details for the program and clarify that counseling is available at no cost to the debtor. The bill amends existing foreclosure notice requirements under P.L.1995, c.244 and P.L.2019, c.64.