The following are links to housing resources
New Jersey Housing Resource Center
Visit 211.org for a clearing house of resources. You can search by topic and zip code.
Other Housing Assistance and Resources for Homeless and Households At-Risk of Becoming Homeless
- 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) proves 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.
Foreclosure Prevention and Assistance Resources
- 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.
- The New Jersey HomeSaver Program offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level by using Hardest Hit Fund funds to facilitate a refinance, recast, or permanent modification of the first mortgage loan. You may be a good candidate for this program if you are a homeowner who:
- Has severe negative equity (Severe negative equity is defined as a first mortgage loan-to-value (“LTV”) ratio that is 115% or greater.)
- Has or will be facing a significantly higher mortgage payment (due to a rate increase), or
- Has suffered a financial hardship (such as unemployment or a severe loss of income through no fault of your own) that has caused or will cause you to fall behind on your mortgage payment. (You do not need to be presently behind on your mortgage payments to be eligible for the HomeSaver Program.)
- 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.
Down Payment Assistance
- Burlington County – Assistance with down payment and closing costs may be available through the Burlington County First Time Home Buyer Program. For information about this program, please contact Georgia Sullivan at 609-265-5072
- Montgomery Township, Stafford Township and Freehold Township offer down payment assistance. Click on the Ownership Location Links on this website for more information.
- The First Home Club (FHC) is a first-time homebuyers program that provides a subsidy to assist low and moderate income households overcome the financial difficulties of purchasing a home. The program provides households with $4 match for every $1 of savings (a grant up to $7,500) that they systematically deposit in their dedicated account.
Assistance with Utility Bills
- PSE&G provides assistance with utility bills.
- NJ Shares assists New Jersey households who have fallen behind on their energy bills due to a temporary crisis.
- The Home Energy Assistance Program helps very low-income residents with their heating and cooling bills, and makes provisions for emergency heating system services and emergency fuel assistance within the Home Energy Assistance Program.
- The Universal Service Fund (USF) helps make energy bills more affordable for low income customers. If you are eligible, USF can lower the amount you have to pay for natural gas and electricity. Click here to find out how to apply and contact information for the list of agencies that provide this assistance
Housing Counseling/Credit Counseling
- 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.
- 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.
- New Jersey residents are entitled to one free credit report each year.
Fair housing and Equal Opportunities
- For more information on discrimination or if anyone feels they are a victim of discrimination, please contact the New Jersey Division on Civil Rights at 1-866-405-3050 or here.
Home Maintenance Tips
- The Healthy Homes Maintenance Checklist published by the National Center for Healthy Housing provides recommended home maintenance tips.