By Breaking Celebrity News Staff

Real Housewives of New Jersey stars Melissa and Joe Gorga just put their Toms River home on the market for half a million dollars, but Breaking Celebrity News has exclusively learned the couple owes more than four times that on their mortgage.

DOCUMENTS: See Melissa & Joe Gorga's Mortgage Paperwork Here

According to public property records obtained by Breaking Celebrity News from the Ocean County Court House, the Gorga's took out a $2,250,000 mortgage on November 16, 2007 with Sterling Bank, plus interest.

"This mortgage is given as additional collateral for a construction mortgage loan," the paperwork states.

Melissa and Joe originally purchased the home for only $450,000 in 2005 on which they took out an initial mortgage of $360,000 and a secondary mortgage of $45,000.

Looks like Joe's sister Teresa Giudice and her husband aren't the only ones who are in over their heads financially and even visited a bankruptcy attorney to discuss their options.

"In bankruptcy, you are able to start your life again -- and that's exactly what I'm doing. Just because you do bankruptcy doesn't mean you have to crawl and die in a hole," Teresa said.

"Am I terrified of being poor? I don't think I'll ever be poor. Because I am a hard worker and my husband's a hard worker."

As Breaking Celebrity News previously reported, Melissa and Joe are unloading their homes because they just can't afford them anymore.