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.
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Many counties in New Jersey have down payment assistance programs and some municipalities also have programs for deed restricted affordable homes. If CGP&H is the administrative agent, we provide information about County and municipality programs on the development and municipality web pages on www.affordablehomesnewjersey.com.
3/21/22 UPDATE. The Homebuyer Dream Program will be accepting applications on 3/21/22. The Homebuyer Dream Program (HDP) is a first-time homebuyers program from the Federal Home Loan Bank of New York that assists low and moderate income households to overcome the financial difficulties of purchasing a home. They provide grants to be used toward down payment and closing cost assistance up to $9.500. This is an annual program. Contact the following member institutions for more information, they will submit applications for the program on the homeowner’s behalf. Full list of participating banks is here.
P.O. Box 5008
Short Hills, NJ 07078-5008
Contact Person: Timothy Maher
500 Hills Drive, Suite 300
P.O. Box 700
Bedminster, NJ 07921-1538
Contact Person: Alexandra Buono
You may also contact one of the lenders on this list.
Many municipalities provide regional preference to households who live or work within the region. Under regional preference, in region households will be contacted before households who live or work outside of the region.
In order to qualify for regional preference, the applicant must provide proof that they live in the region and/or that their job requires them to work in the region.
To find out if a municipality has regional preference, go to your Affordable Homes New Jersey Profile and select "Join or Leave" Waiting Lists. It will indicate whether there is a preference for applicants who live or work within the region.
- 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 housing housing counseling services.
- 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.
This article explains several ways you can scan your physical documents so you can upload them to your Public House application and meet its requirements.
Note: Please follow the instructions below depending on the device you are using to scan your documents.
Note: Once you have created the PDF's, you can upload them to your Public House application from your phone or email them to yourself so you can upload them from a computer.
iPhone / iPad:
This section explains how to create a PDF of a required document using the Notes app on your iPhone / iPad.
- Prepare the Notes App:
- Open the Notes app on your iPhone / iPad.
- Click the icon at the bottom right to create a new note.
- Create the PDF:
- Click the icon at the bottom middle.
- Select the "Scan Documents" option.
- Use your iPhone's / iPad's camera to take a picture of the document. Make sure the entire document is visible and readable. You can click and drag the corner circled to adjust the border. You can also click the "Retake" option if needed.
- Click the "Keep Scan" to proceed.
- If there are additional pages, repeat the steps above. If there are not, click the "Save" button.
- Click the "Done" option at the top right.
- Prepare the PDF for Upload:
- Click the document image until you see the icon at the top right.
- Click the Notes' Name in the top middle and rename / save to reflect the type of document you are uploading (example: Mortgage Pre-Approval, Photo ID, 2021 State Taxes, etc.).
- Click the icon at the top right.
- Scroll down and select the "Save to Files" option.
- Leave the default option selected and click "Save" in the top right. You will be able to browse to this location when uploading documents to your full application using your iPhone / iPad or when emailing the documents to yourself.
Android or Galaxy Device:
This section explains how to create a PDF of a required document using the Drive app on your Android or Galaxy Device.
- Prepare the Drive App:
- Open the Drive app on your device.
- Click the icon in the bottom right to start a new document.
- Create the PDF:
- Click the icon or "Scan".
- Use your device's camera to take a picture of the document. Click "Ok" when you have a useable picture. Make sure the entire document is visible and readable. You can edit the picture as needed by clicking the following icons:
- or "Crop": Click to adjust the scan area.
- or "Refresh": Click to retake the picture.
- or "Add": Click to scan an additional page.
- Click the icon or "Save" when finished to save the PDF.
- Prepare the PDF for Upload:
- Click the PDF's title and rename / save to reflect the type of document you are uploading (example: Mortgage Pre-Approval, Photo ID, 2021 State Taxes, etc.).
- Note the location your PDF is saved in. You will be able to browse to this location when uploading documents to your full application using your Android device or when emailing the documents to yourself.
- Download documents online as pdfs: Bank statements and other documents can be downloaded from your bank as pdfs and do not need to be scanned.
- Contact your local library: You can scan documents at most libraries for no charge. Contact your local library to find out if they have this service.
- Pay for scanning: You can also scan documents at stores such as Staples and UPS for a fee.
This article explains how to upload required documents from your smartphone. Please Note: You must first be invited to submit a full application.
- Navigate to Your Application:
- Open the application link on your phone's internet browser: https://authentication.affordablehomesnewjersey.com/
- Log in with the email and phone number you used to apply. Note: You may need to leave the internet browser to access your identification code via an email or text sent to your phone. Simply navigate back to the internet browser on your phone after you retrieve the code to enter.
- Determine the Required Documents to Upload:
- Scroll down to any red icons on your application and click the link next to them to open the upload window.
- Read the instructions at the top for an explanation of what documents will need to be uploaded to meet the requirements.
- Create a PDF of the Required Documents with Your Phone:
- When you have the physical documents ready, create a PDF of each document with your phone. Please follow the steps in the How to Scan Required Documents to Upload to Your Public House Application article. Note: If a document has more than one page, please upload as one PDF. This will help us review your application at a faster pace.
- Upload the Required Documents:
- Navigate back to your application on your phone's internet browser and click the white "Upload" button.
- Select the location you saved the PDF of you document. This will vary by phone type and model.
- Select the file and upload. Note: The document may take a few minutes to upload depending on the file size and your mobile/internet connection. Please wait for the spinning house icon to disappear before continuing.
- If you have additional documents to upload to meet the requirements, click the "Upload Additional Files" button and repeat the steps above. If not, click the "I have completed my uploads and met requirements" button.
- Repeat for All Red Icons on Your Application.
To clear your internet browser cache please locate the section below for your specific internet browser and follow the instructions.
Note: If you need to see a picture more clearly, please right-click the picture and select "Open image in new tab"
1- Click the three vertical dots on the top right of any Chrome window.
2- Click "Settings".
3- On the left of the screen click on "Privacy and security" and click "Clear browsing data".
4- Change the "Time range" to "All time", make certain that only the "Cached images and files" checkbox is checked, and click "Clear data".
1- Click the gear on the top right of any Internet Explorer window.
2- Click "Internet options".
3- On the "General" tab, in the "Browser history" section, click "Delete".
4- Make certain only the "Temporary Internet files and website files" checkbox is checked and click "Delete".
1- Click on the three dots on the top right of any Edge window.
2- Click on Settings.
3- On the left side of the screen, click "Privacy, search, and services". Scroll down to the "Clear browsing data" section and click on "Choose what to clear.
4- Change the "Time range" to "All time", make certain that only the "Cached images and files" checkbox is checked, and click "Clear now".
1- Click the three horizontal lines on any Safari window.
2- Click "Settings".
3- On the right side of the screen, click on "Privacy & Security", then clock on "Clear Data".
4- Make certain that only the checkbox next to "Cached Web Content" is checked. Click "Clear".
Please see below for instructions on how to scan a document via your iPhone or iPad. For instructions on how to use the CamScanner app (in cases where you have a different device) you can use this help article.
1- Open Notes on your iPhone or iPad and select a note or create a new one.
2- Tap the Camera button , then tap Scan Documents .
3- Place your document in view of the camera.
4- If your device is in Auto mode, your document will automatically scan. If you need to manually capture a scan, tap the Shutter button or one of the Volume buttons. Then drag the corners to adjust the scan to fit the page, then tap Keep Scan.
5- Tap Save or add additional scans to the document.
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 financial assistance for paying rental arrears to avoid eviction.
- 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/.
On January 28, 2013, the New Jersey Fair Housing Act was amended (C.52:27D-311) so as to allow a municipality to enter into an agreement with a developer to set aside affordable units in a residential development for qualified veterans. This preference only applies to affordable rental units when the preference has been established by an agreement between the developer or landlord and the municipality.
Please indicate on your preliminary application if you are a veteran. At this time, there are not many developments that provide a preference to veterans but veterans preference may be added in additional locations in the future.
If you are invited to submit a full application, you must submit a clear copy of your DD-214 with your application materials to qualify for veteran's preference. To qualify for the veteran’s preference:
- Your DD-214 must indicate that you were honorably discharged or released under honorable circumstances from active full-time duty in time of war in some branch of the Armed Forces of the United States.
- Your DD-214 must indicate that you actively served in time of war during one of the periods identified on
The Federal Fair Housing Act prohibits discrimination in housing on the basis of:
- Race or Color
- National origin
- Familial status
It is illegal to discriminate against persons belonging to any one of the above listed legally protected classes in any of the following situations:
- Refusal to rent or sell housing to any person who is legally protected by the Act
- Setting different terms, conditions, or privileges for a sale or rental to any person who is legally protected by the Act
- Providing different housing services or facilities to any person who is legally protected by the Act
- Falsely denying that housing is available for inspection, sale or rental to any person who is legally protected by the Act
- Refusal to make reasonable accommodations in rules or services for a disabled person, that have been deemed necessary by a physician
- Refusal to allow a disabled person to make reasonable accommodations to his/her dwelling
- Threatening or interfering with anyone making a fair housing complaint
If you think your rights to fair housing have been violated, help is available. Housing discrimination complaints can be filed with the US Department of Housing and Urban Development (HUD) and/or with the New Jersey Division on Civil Rights.
- You can file an online complaint at the HUD website https://portal.hud.gov/FHEO903/Form903/Form903Start.action Or contact the local HUD office at (800) 496-4294
- You may file a complaint with the New Jersey Division on Civil Rights on-line at https://bias.njcivilrights.gov/en-US/