1. Open your email first and leave it open.
2. Apply on-line at https://www.affordablehomesnewjersey.com/pre-application/
- DO NOT close the pre-application. If you close the form, the code will not work
- DO NOT click anywhere else in the pre-application.
- Go into your email and retrieve the email containing the 4-digit verification code.
- Copy the code from the email and insert it where indicated in your pre-application.
- You will then be able to complete your pre-application.
It is difficult to answer this question because until an affordable home is put up for sale or an affordable rental lease is not renewed, there will not be a unit to offer to the next person on the waiting list. Once a unit becomes available, it is offered to the next person on the waiting list whose household composition (household size and income) matches the unit type.
Additionally, the following variables affect wait time:
- Whether the waiting list is determined by lottery number or interest date (the date a waiting list is joined).
- An applicant’s lottery number or interest date.
- The number of applicants whose lottery number or interest date are ahead of another applicant’s.
- The number of affordable units in the development.
- The number of rental leases NOT renewed or the number of affordable houses put up for sale.
- The type of affordable unit an applicant qualifies for (income level and number of bedrooms).
We have no control over the number of units that may become available in any given year. If no one moves out in a year, then no one on the waiting list will be contacted about an affordable unit. Likewise, if a household moves out of a one bedroom, moderate income home, for example, and the next person on the list needs a 3 bedroom, low income home, this larger household will not be eligible for the vacancy and will remain on the waiting list.
To learn how a municipality waiting list is determined, please visit your Affordable Homes New Jersey Profile. Under the “My Ownership Waiting Lists” and “My Rental Waiting Lists” tabs, you can find your interest date and lottery number, if applicable. In the short description under each municipality, we indicate whether we are currently contacting people by lottery number or interest date and how long the estimated wait time will be.
We also provide information about each municipality and development at www.affordablehomesnewjersey.com. On the Home page, click the Affordable Opportunities tab and choose to filter results by rental, ownership, or all and sort by county, municipality, or name. Open links from the results to go to pages for specific municipalities and developments. These pages provide all available information, including the number of affordable units in the program.
While you are waiting, we advise you to:
- Keep your profile up-to-date (income and household size) to ensure you will be matched to the correct unit type. Additionally, if there are changes to your contact information (address, phone number or email), please update your profile immediately.
- Respond to all correspondence from Affordable Homes New Jersey before the deadline indicated. When we get to your name on the waiting list, we will email you additional details about the available unit and invite you to request a visit to see the unit. The process moves quickly and when an applicant does not respond in a timely manner, we move to the next applicant on the waiting list.
The waiting list for all affordable units on this website is administered through the Affordable Homes New Jersey Profile. Please submit a preliminary application to create your own personalized Affordable Homes New Jersey Profile. On your Affordable Homes New Jersey Profile you can easily update your personal information and track your waiting list status. Check out all the things you can do from this site:
Keep Your Personal Information Updated – Please keep your contact information, income, household size and other qualifying information current so we can match you to available units. We will ask you to update your information at least annually to keep your Profile active.
Join Waiting Lists – Review the municipalities in our portfolio and make sure you JOIN all the waiting lists where you might like to live. If you do not see a municipality listed, it means that we do not manage the waiting list and you should call the municipality directly. After you join the waiting list, please review your Rental and Ownership Waiting Lists.
Review Listings of Homes for Sale & Rent – When we get to your name on the waiting list, we will show you available homes for sale or rent. You will be sent emails to notify you that new listings are available to view. If a deadline is listed, that means there is a waiting list and you must respond by that date or we will move to the next person on the waiting list.
Request to Visit Homes – When you see a listing you like, you can request to visit the home and you will be directed to a new form with additional questions so we can determine your preliminary eligibility. We will review the results and email you the next steps. You will be given contact information to view the home after your preliminary eligibility is determined.
Submit a Full Application – If you decide to rent or purchase a unit, we will send you a link to complete a full application on-line and a list of required supporting documents.
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An applicant's household is composed of all permanent members of the household. The household composition will determine both the maximum income limit the household will need to be under and the size of the home needed (number of bedrooms). Some household members may be considered in the bedroom calculation, but not the maximum income calculation.
- Foster Children: Foster children are not counted in the household size when determining if the household is under the maximum income. Additionally, any payments that the household received related to the foster children are not considered income. Foster children are counted in the household size when determining how many bedrooms the household may qualify for. For example, a 3 person household made up of a husband, a wife, and a foster child must fall under the maximum income limit for a household of 2, but may qualify for a 2 or 3 bedroom home.
- Live In Health Aid or Nanny: Live in health aids or nannies are not counted in the household size when determining if the household is under the maximum income. Additionally, applicants must provide documentation that this is a paid position including a contract with the caregiver. Live in health aids or nannies are counted in the household size when determining how many bedrooms the household may qualify for. For example, a 5 person household made up of two parents, two children, and a nanny must fall under the maximum income limit for a household of of 4, but may qualify for a 3 bedroom home.
- Child Whose Primary Residence is Not the Applicant's Household: Children whose primary residence is not the applicant's household are not counted in the household size when determining if the household is under the maximum income unless custody is 50/50. Children whose primary residence is not the applicant's household are counted in the household size when determining how many bedrooms the household may qualify for. For example, a 2 person household made up of a father and child (without 50/50 custody) must fall under the maximum income limit for a household of 1, but may qualify for a 1 or 2 bedroom home.
- Unborn Child: Unborn children are counted in the household size when determining if the household is under the maximum income and when determining how many bedrooms the household may qualify for. For example, a 3 person household made up of a husband and pregnant wife must fall under the maximum income limit for a household of 3. Additionally, they may qualify for a 2 or 3 bedroom home.
- Child Being Adopted: Children being adopted are counted in the household size when determining if the household is under the maximum income and when determining how many bedrooms the household may qualify for. For example, a 2 person household made up of a mother and child being adopted must fall under the maximum income limit for a household of 2. Additionally, they may qualify for a 1 or 2 bedroom home.
- Full Time College Student Not Living at Home: Full time college students not living at home are counted in the household size when determining if the household is under the maximum income and when determining how many bedrooms the household may qualify for. A full time student is a member of the household reported to the IRS as a dependent who is enrolled in a degree seeking program for 12 or more credit hours per semester. Additionally, part time income earned by full time students (income earned on less than a 35 hour work week) is not considered income. For example, a 2 person household made up of a father and child (full time student) must fall under the maximum income limit for a household of 2. Additionally, they may qualify for a 1 or 2 bedroom home.
We strive to make the application process as easy as possible. When you complete this application, you will need to set aside a few hours and have access to many of your personal and financial documents.
- It typically takes 1 to 2 hours to complete the affordable housing application.
- If you are applying with a co-applicant, we recommend that you complete the application together because you will need to submit their information too. Your co-applicant will need a different email than your own.
- You will not be able to submit the application until it is complete. Please upload your supporting documents as PDFs. Click here to learn how to scan a document as a PDF from your phone.
- You can save your progress as you go, and you can come back to your application anytime.
- If you get stuck, you can request help by clicking the help icon in the lower right of the application or emailing firstname.lastname@example.org. Please contact us before your application deadline.
- Once you submit your online application, your household cannot be changed. Make sure you include every person that is moving with you to the affordable home. Click here for more information regarding Household Size.
- Make sure you include all the income received for each household member over 18 years of age. Be aware you will not be allowed to change your income once your application and supporting documents are submitted.
- Does at least one member of your household live or work in the housing region? Click here for more information regarding Regional Preference.
- Passing the preliminary screening by CGP&H does not mean you can move into the unit. This is just the first step. After you are approved by the landlord, CGP&H will start a full review of the application and supporting documents you submitted.
- Do not give notice to your current landlord until you receive a certification from CGP&H.
MANDATORY SUPPORTING DOCUMENTS
To submit your application, you will be required to upload supporting documents for all household members 18 years old or older.
- The online application will list the specific documents you are required to upload. The list of required documents is extensive so please start the application right away. To preview the list of supporting documents that may be required, visit the Application Supporting Documents List.
- Please upload all documents as PDFs. Click here to learn how to scan a document as a PDF from your phone.
HOW TO SUBMIT THE APPLICATION
- Click on the blue "Application Link" button at the bottom of your invitation email.
- Get your mobile phone and enter the verification code sent to it via text. These extra steps help ensure that your data is safe and only accessible by you.
- Complete the application.
AFTER YOU SUBMIT THE APPLICATION
Once you submit your application CGP&H will do a preliminary review of the information you submitted.
- If you are denied:
- CGP&H will email you if you do not pass the preliminary review. Your name will remain on the waiting list and you will be contacted when another unit becomes available.
- Make sure the information on your profile is accurate.
- Remember once your application is submitted you will not be able to change your Household Size, Total Household Gross Income, or the County you and your household members live and work in.
- If you are approved:
- CGP&H will refer your name to the leasing office if you pass the preliminary review. The leasing office will contact you regrading a credit application if or when your name is next on the waiting list.
- The landlord is responsible to notify CGP&H of your credit approval.
- If you pass the landlord credit screening, CGP&H will complete a full review of your application and you will be notified.
- Do not give your current landlord notice until you receive a certification from CGP&H.
- You will be notified if you do not pass the landlord's credit screening.
NAVIGATING YOUR APPLICATION
When completing the application, the following icons on the application will guide you.
|Shows when something needs to be done.|
|Shows when a part of your application doesn't comply with the program requirements.|
|Shows when a form is completed.|
|Shows when supporting documents are uploaded and submitted for review.|
|Shows when you complete a section.|
Your progress saves as you go and you can come back to your application anytime. If you get stuck, you can request help by clicking the help icon at the lower right of the application.
Most buyers and sellers utilize their own attorney to assist them in this important real estate transaction. Below are the names of attorneys that are familiar with affordable housing closings*.
- Jacob S. "Josh" Elkes, Esq. – Freehold NJ, (800) CLOSINGS, email@example.com
- Sital Shah, LLC – Edison NJ, 732-777-9494, firstname.lastname@example.org (English and Spanish)
* Please note: CGP&H maintains this list of attorneys only as a convenience for buyers and sellers of affordable housing. CGP&H does not make any representation or give any warranty regarding their qualifications, competence or suitability. CGP&H does not recommend any particular attorney on the list and the attorneys on the list are not ranked in any particular order. CGP&H receives no compensation from the attorneys on the list. Buyers and sellers are free to select any attorney to represent them, whether or not on the list.
If you do not utilize an attorney on the list please notify your attorney that:
You are purchasing a deed restricted affordable housing unit. N.J.A. C. 5:80-26.1 et seq. are the Uniform Housing Affordability Controls (“UHAC”) which govern affordable units in NJ.
CGP&H will prepare the deed and affordable housing closing documents required for the closing. Please keep CGP&H updated about when the closing date may occur so we have enough time to prepare the required documents and answer any questions the title company and mortgage company may have.
The New Jersey Affordable Housing regulations that govern these affordable housing units do not require a re-certification. You will be income certified before you can rent or purchase a home. If your household members change or your income changes at a later date, you do not need to report it and you can remain in your affordable housing.
In addition, please keep in mind the following:
- If you are renting a home, all changes to the lease must be approved by the landlord. You cannot add a person to the lease without the landlord's approval.
- An applicant cannot change the household composition after the full application has been submitted or immediately after she/he has been income certified. The household members on the new applicant's lease in the case of renting, or deed in the case of purchase, must match the household members listed on the income certification. This is to prevent applicants from changing their household composition in order to qualify for an affordable unit.
- If your income decreases, your rent (and other housing expenses) will not be decreased. In order to move to a less expensive home, you will need to reapply, wait on the waiting list, and be income certified again.
Below is a list of affordable housing resources in New Jersey:
- New Jersey renters, landlords and homeowners seeking information on the latest housing rules, assistance grants, legal assistance or help working out a rental repayment plan can find answers through a website launched by the Housing and Community Development Network of New Jersey at www.housinghelpnj.org.
- The New Jersey Housing Resource Center provides listings of homes for sale and for rent throughout the state.
- Visit 211.org for a clearing house of resources. You can search by topic and zip code.
- The Rutgers Help NJ Resource Guide provides a clearinghouse of information about housing assistance.
- The Department of Housing and Urban Development (HUD) provides a list of rental resources.
- The Division of Aging Services’ Housing Options for Senior Citizens provides links to housing options throughout New Jersey.
- The Central Jersey Housing Resource Center is a nonprofit corporation that provides housing opportunities and home buyer counseling in and around Somerset County, New Jersey.
- The Social Service for the Homeless (SSH) program provides assistance to New Jersey residents who are at risk of homelessness, but are ineligible for Temporary Assistance for Needy Families welfare, General Assistance welfare or Supplemental Security Income. SSH can pay for emergency food or a motel or shelter stay for a limited amount of time. It also can provide rental, mortgage, utility, and security deposit assistance. This program, which operates on a 24-hour emergency basis, also includes referral services and limited case management.
- New Jersey’s Homeless Prevention Program (HPP) provides limited financial assistance to low- and moderate income tenants and homeowners in imminent danger of eviction or foreclosure due to temporary financial problems beyond their control. Funds are used to disburse payments in the forms of loans and grants to landlords and mortgage companies on behalf of eligible households in danger of homelessness.
- New Jersey’s Homeless Prevention and Rapid Re- Housing Program (HPRP) provides temporary financial assistance to prevent households from becoming homeless and help those who are experiencing homelessness to be quickly re-housed and stabilized. A list of agencies that participate in this program is found on this website.
- Interfaith Neighbors’ rental assistance program is designed to help low income families avoid homelessness or recover from the unfortunate circumstances that caused them to become homeless.
- The Affordable Housing Alliance (AHA) provides resource referrals for Utility Assistance.
- The Assisted Living Research Institute's web page provides extremely well detailed and thorough information for families and senior citizens in the State of New Jersey: https://www.assistedliving.org/new-jersey/.
- The Modification Program of the Homeowner affordability and Stability Plan helps homeowners who are struggling to make their mortgage payments by encouraging lenders to modify/refinance eligible mortgages to produce affordable monthly payments.
- HomeCorp provides financial provides home ownership and credit counseling.
- Navicore Solutions, a national leader in the field of non-profit financial counselling, provides free counselling services for households who are in danger of foreclosure. You can reach them at 866-992-4557.
- NJMFA offers free housing counseling guidance and advocacy to help avoid foreclosure through its NJHMFA Foreclosure Mediation Assistance Program.
- HUD sponsored Credit Counseling Services provide a wide array of services throughout the State of New Jersey.
- Consumer Credit Counseling Service of New Jersey provides a variety of series including credit counseling and debt repayment programs.
- The Faith Fellowship Community Development Corporation also provides home ownership and credit counseling, as well as home buyer assistance programs.
- The Central Jersey Housing Resource Center (CJHRC) provides several different types of housing counseling services.
- The Affordable Housing Alliance (AHA) provides resource referrals for Utility Assistance.
- HomeCorp provides financial home ownership and credit counseling.
- Navicore Solutions, a national leader in the field of non-profit financial counselling, provides low credit counselling services as well as housing counseling. Please call them at 866-992-4557 if you need assistance with credit card debt, managing your finances, reviewing your credit or creating a sustainable household budget.
- The Housing Partnership offers homebuyer education programs. Use the discount code CGPH25 to receive $25 off homebuyer education workshops.
Affordable buyers must be able to secure financing. You may work with any lender. Below is the contact information for lenders that buyers have worked with recently.
- Loan Depot Jackelyn Maldonado, 732-592-7112; 609-389-8630, email@example.com. This lender can assist in both English & Spanish.
- Valley Bank Dave Debonis 973-207-6500 DDebonis@valley.com (Counties served: Bergen, Essex, Hudson, Middlesex, Monmouth, Morris, Passaic, Somerset, Sussex, Union, Warren)
- Kearny Bank, Kathryn Schulhafer, 732-371-7305, firstname.lastname@example.org. The minimum credit score is 660.
- Advisors Mortgage Group, LLC, Nick Rosetti, 609-320-7560, email@example.com.
- Investors Bank Mariola Koziol, 973-544-1559, firstname.lastname@example.org.
- Peapack-Gladstone Bank, Gary Krause, 908-306-8821, email@example.com (Peapack-Gladstone does not provide mortgages in every County. Essex, Hudson, Hunterdon, Middlesex, Morris, Somerset, and Union are served by the bank.) The minimum credit score required by the bank to qualify for mortgage is 620.
- Caliber Home Loans
- Eric Sandrow, 908-244-3188 firstname.lastname@example.org. The minimum credit score is 620. (Special programs available to buyers that experienced short sales, foreclosures and bankruptcy. Minimum credit score for these programs is 580.)
- Susanne Seller, 908-963-6966 email@example.com. The minimum credit score is 640.
- Fulton Mortgage Company
- Dorothy J. Sanders, 609-346-7451, DSanders@fultonmortgagecompany.com. The minimum credit score required by the bank to qualify for mortgage is 620.
- Dwain Drinkard, 848-480-9527, firstname.lastname@example.org to obtain a mortgage in the following Counties: Middlesex, Monmouth, Somerset and Mercer.
If you are purchasing a manufactured home, the providers listed above cannot provide financing. Please contact:
- First Credit Corporation, Manufactured Home Finance & Insurance, 1-800-562-6036, www.firstcreditcorp.com. Please note that they cannot provide financing for homes built before 1980 and the loan amount cannot be less than $25,000.
- Priority Funding LLC, Rob Pettet, 877-393-5511, email@example.com. The minimum credit score required by lender is 650.
If you do not plan to secure a mortgage from a contact on this list, please notify CGP&H and inform your lender that you are purchasing an affordable deed restricted home and that the affordability controls survive foreclosure.
Purchasing an affordable housing unit is a great opportunity for a very low, low or moderate income household. Not only does an affordable buyer pay a lower purchase price for their home, an affordable homeowner also pays considerably lower real estate taxes annually than they would for a market rate unit.
However, since purchasing an affordable home is different from purchasing a market-rate home, if you are considering purchasing an affordable home, you should be aware of the following affordable housing rules including deed restrictions. Affordable homes are deed restricted. The length of the deed restriction time will depend on when the home was built and number of years in control period. Deed restrictions for affordable homes include but are not limited to the following:
- The Homeowner is required to live in the home as their primary place of residence which is defined as residing in the home at least 260 days out of each calendar year.
- The homeowner cannot rent their home out to anyone, not even to members of their family. If there is a temporary need to move away, the Homeowner is required to contact CGP&H and request a “temporary waiver” of this rule.
- All mortgage loans must be approved by CGP&H before signing any loan papers. The total amount of mortgage loans allowed is limited by law.
- The Homeowner is not allowed to make any improvements to the home unless they have been approved in writing by CGP&H. I own an affordable home. When do I need to get an approval for improvements to my home?
- The homeowner is allowed to sell the home only to a person or a family from the affordable housing waiting list and who has been certified in writing by CGP&H. The homeowner cannot "choose" a preferred buyer who is a friend/family member or a cash buyer over another buyer who needs to get a mortgage. The waiting list order is maintained by CGP&H.
- The price for which the home can be sold is limited by law, and may be much less than the sale prices of other similar or comparable homes.
- Also note that even at the end of the control period listed in the deed restriction, homeowners who sell their home out of the program (if allowed) do not experience a significant financial gain because of the terms of the deed restriction require that most proceeds be returned to the municipality.
- By breaking any of these rules, the Homeowner will be breaking the law, and the Homeowner will be subject to penalties provided by law, including having to pay fines and possibly losing their home.
If you are no longer interested in affordable housing in a specific location, but would like to remain on waiting lists for other locations, follow these steps:
- Go to your Affordable Homes New Jersey profile. If you do not have your profile link, you can request it here.
- Click on the "My Ownership Waiting Lists" and/or "My Rental Waiting Lists" buttons.
- Click on the "Join/Leave Ownership Waiting Lists" and/or "Join/Leave Rental Waiting Lists" buttons.
- Click "- Leave" on any blue municipality badge you would like to leave the waiting list for.
- If you would like to rejoin in the future, click "+ Join" on the green municipality badge.