Homeowners & Renters

• Housing Help NJ
  • 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.
• Consumer Financial Protection Bureau (CFPB)  Look Up Tool 
  • If you’re a renter having trouble paying your rent, utilities, or other housing costs – or if you’re a landlord trying to stay afloat with tenants in this situation – help may be available. State and local programs are distributing billions of dollars in rental assistance to help renters stay housed during the pandemic.  Visit the CFPB’s Rental Assistance Finder to find out what this means for you and what you can do.  The CFPB’s site also includes resources to help renters and landlords understand other resources to help navigate various financial hardships related to the pandemic.
• NJ DHS COVID-19 Housing Assistance Program
  •  New Jersey residents can apply for housing assistance.   Additional program information is available here: https://www.nj.gov/dca/cverap2.shtml.     To apply, go to https://njdca.onlinepha.com. The application at this link will not be accessible before March 22nd at 9:00 a.m.
• Rental and Homeownership CARES Program Resources:
  • Check with your County and municipality.  Several locations throughout the State of New Jersey are announcing new programs including Somerset, Camden, and Gloucester Counties and Essex County.
• Homeownership Resources:
  • Please visit: https://www.state.nj.us/dobi/covid/mortgagerelief.html for more information on COVID19-related mortgage relief and answers to frequently asked questions.
  • Starting February 8, 2022 at 9 am, applicants can apply for assistance through the Homeowner Assistance Fund (HAF) at www.njerma.com/.  The program provides up to $35,000 in assistance to cover mortgage arrearages and other housing cost delinquencies for eligible homeowners negatively impacted by the COVID-19 pandemic.

Do you own an affordable home?

• CGP&H is the Administrative Agent for affordable homes located in these communities: Ownership Municipalities
• If you would like to sell your affordable home, please email homes@cgph.net and include your name and address. We will calculate your maximum restricted sale price and send you additional information about the resale process.
• CGP&H must approve all mortgage refinance requests. If you would like to refinance your mortgage, please email homes@cgph.net and include your name and address. We will calculate your maximum refinance amount and send you additional information about the refinance process.
• The Affordable Housing Professionals of New Jersey has created resale price calculators.
  • Not all municipalities have been approved to the utilize the  2022 Resale Calculator so the 2014 Resale Calculator is also posted here.
  • To determine which calculator to use, visit your Ownership Municipality page. The year listed in the “Maximum Income Limits Per Household” section determines which calculator to utilize.
  • You may utilize these calculators to estimate the resale price of your home but final determination will be made by CGP&H.
• If you are a realtor, representing a seller, visit this FAQ article for important information.
• The Healthy Homes Maintenance Checklist published by the National Center for Healthy Housing provides recommended home maintenance tips.
• If you are at risk of foreclosure, please visit this FAQ article with links to foreclosure prevention resources.  Please also email homes@cgph.net if you are falling behind in your mortgage, HOA fee, or property taxes.
• Other questions about your affordable home? Please visit the FAQ to find out:
  • Who can inherit your home?
  • When do you need to get an approval for improvements to your home?
  • Other important rules.
• Utility assistance may be available.  Visit this link and this link  for more information.