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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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 email@example.com. 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.
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.
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.
Realtors may represent buyers and sellers during the sale process of an affordable home but it is important to understand the affordable housing deed restrictions and the affordable housing application process.
There are two important articles that realtors should review:
- How is purchasing an affordable home different from purchasing a market-rate home?
- Can you provide me an overview of the steps involved in purchasing an affordable home?
Below are some important things for realtors to keep in mind:
- Realtors representing a seller of an affordable home administered by CGP&H should notify CGP&H via email to firstname.lastname@example.org. Please refer to the listing of ownership locations on Affordable Homes New Jersey to determine if the home is administered by CGP&H.
- Contracts of sale CANNOT be executed until the buyer has been income certified by CGP&H to purchase the affordable home.
- Realtors should not list the property on the MLS or on any other listing service. CGP&H will first market the home to all applicants who are on the waiting list to purchase an affordable home. The realtor will be notified if the waiting list has been exhausted. At that time, the realtor may list the home on the MLS.
- The list price of the home cannot be more than the maximum restricted sale price determined by CGP&H. Realtor fees CANNOT be added to the maximum restricted sale price for any reason.
- Realtors should notify CGP&H if the sale price is reduced so CGP&H can market the reduced price to applicants on the waiting list.
- CGP&H maintains waiting lists to purchase homes. The buyer is not selected via a first-come, first-served or highest bid process. All interested buyers must join the waiting list. Realtors can assist buyers with completing a preliminary application online at www.affordablehomesnewjersey.com AND joining the ownership waiting list for the municipality where the home is located. This link provides more information about how to apply. If an applicant is eligible to purchase a home and next on the waiting list, they will be emailed a listing for a home. They must click “Request to Visit” on the email and complete the short form. If eligible, CGP&H will refer them to the realtor and then work with the interested buyer during the income certification process.
- In most cases, the sellers are not represented by a realtor. If that is the case, there is no realtor commission for for realtors representing buyers. Buyers do not need a realtor to purchase a home. If they choose to work a realtor, the realtor must let them know in advance the cost of their services.