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Our Offices

  • Vernon Office


    244 State Hwy 94
    Vernon, New Jersey 07462

  • Wayne Office


    73 Mountainview Blvd
    Wayne, New Jersey 07470



  • Pompton Lakes Office


    58 Colfax Avenue #1
    Pompton Lakes, New Jersey 07442

  • Hackensack Office


    41 Main Street
    Suite 2
    Hackensack, New Jersey 07601



  • Nutley Office


    345 Centre Street
    Suite 2
    Nutley, New Jersey 07110



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    I highly recommend Mr. Zimmermann as an attorny. I recently purchased an investment property and boy was he helpful. He was easily available, very clear in explaining various concepts, laws and regulations, and provided very helpful tips o...
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    — Client

Dedicated New Jersey Lawyer Pursues Effective Mortgage Modifications

Knowledgeable attorney negotiates revisions to help struggling homeowners

When homeowners can’t make their monthly mortgage payment, often it’s in everyone’s best interest to seek a mortgage modification. Through negotiation with their lender, the borrower can adjust interest and duration terms to establish a revised agreement that makes it easier for them to meet their monthly obligation.

Firm with five offices finds creative ways to prevent residential foreclosures

Whether the economy is strong or weak, homeowners beset by sudden debt can find it impossible to make their mortgage payments. New Jersey’s high real estate costs and property taxes can make financial arrangements even more precarious. However, serious problems associated with economic downturns have led this state and others to institute protections for homeowners facing financial difficulties. Moreover, unlike other loans, mortgages are secured by a major asset, so a lender might be more willing to make an appropriate adjustment rather than immediately instituting harsh penalties.  My foreclosure defense firm, the Law Offices of James C. Zimmermann, delivers knowledgeable counsel to New Jersey homeowners seeking mortgage modifications. From offices in Vernon, Wayne, Pompton Lakes, Hackensack and Nutley, we work diligently to provide long-term security to clients and their families by:

  • Negotiating fair agreements — A lower interest rate or extension of the payment schedule can significantly reduce the financial burden that homeowners face each month. Our firm has a thorough grasp of the New Jersey residential real estate market as well as the factors that motivate banks to accept proposed changes.
  • Avoiding loan modification scams — Unfortunately, some companies offer mortgage modification plans that are too good to be true or seek up-front payments for unspecified services. Our firm has a sound track record established over nearly two decades, so you can rely on us to deliver ethical, professional guidance.
  • Utilizing applicable laws and government programs — New Jersey laws require lenders to follow a detailed process when seeking foreclosure, and this gives homeowners struggling with debt the time and opportunity to find a workable solution. One way to do this is through the state’s foreclosure mediation program, which encourages borrowers and lenders to reach a mutually acceptable agreement with the help of a neutral third party.

If you’ve fallen behind on your mortgage payments, don’t be discouraged by the amount you owe or frightened by threatening communications from a financial institution. Often, it is in the lender’s best interests to avoid the hassle and expense of foreclosure by modifying your mortgage agreement.

Contact a skillful New Jersey mortgage modification lawyer to schedule a meeting

The Law Offices of James C. Zimmermann counsels residents of Sussex, Passaic, Essex and Bergen counties regarding mortgage modification and other options for homeowners struggling with past-due payments. Please call 973-764-1633 or contact us online to make an appointment for a consultation at our Vernon, Wayne, Pompton Lakes, Hackensack or Nutley location.