NCJAR News
Financial hardship can happen when you least expect it. A job loss, medical emergency, natural disaster, or other unforeseen event can quickly put stress on your household budget—and your ability to keep up with mortgage payments.
If you’re a homeowner facing financial challenges, it’s important to know this: you are not alone, and you do have options. Understanding those options early can help you protect your home, your credit, and your financial future.
Missed a Mortgage Payment? Act Quickly
If you’ve missed one or more mortgage payments—or think you might soon—the most important step is to contact your mortgage servicer as early as possible. Your servicer may offer mortgage-relief programs designed to help homeowners get back on track.
When discussing your options, be sure to ask how each choice may affect your credit score and long-term finances.
Mortgage-Relief Options to Ask About
Date & Time
Dec 18, 2025 01:00 PM in Eastern Time (US and Canada)
Search is changing fast — and AI is transforming how clients find real estate professionals online. Join us for a powerful session designed to help you stay visible, relevant, and ahead of the competition.
You’ll Learn:
- How AI is reshaping Google search and online discovery
- What it takes to build a high-ranking digital brand
DEADLINE: JANAURY 12, 2026 AT 5PM EST
This prestigious program comprises two awards: The NJ Realtors® Circle of Excellence Sales Award® and the NJ Realtors® Distinguished Sales Club. Applications will open in August and CLOSE at 5 p.m. EST on Jan. 12, 2026.
The NJ Realtors® Circle of Excellence Sales Award® recognizes those members who have demonstrated excellence in the field of salesmanship.
The 2025 award levels are:
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Platinum: $20 million and 30 units minimum, or 125 units
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Gold: $12 million and 25 units minimum, or 90 units
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Silver: $6.5 million and 20 units minimum, or 70 units
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Bronze: $2.5 million and 15 units minimum, or 30 units
2025 Award Updates
Enhance your understanding of the FOREWARN safety and screening tool by attending a live online training session. These sessions are designed to help you use FOREWARN more effectively in your day-to-day business.
What you will learn:
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How to quickly verify identities and contact information
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Safety tips when engaging with new prospects
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Best practices for using FOREWARN in the field
Ready to get started?
