ANCHOR, Senior Freeze, Stay NJ, repair resources, energy savings, and mortgage help in one place.
Owning a home is a major financial responsibility. Mortgage payments, property taxes, insurance, utilities, and home repairs can create significant expenses.
New Jersey offers programs that may help eligible homeowners reduce costs, maintain their homes, access financial assistance, and protect their housing stability.
Provides financial assistance to eligible homeowners who meet program requirements.
Eligibility depends on homeownership status, primary residence, income limits, and State requirements. 1-888-238-1233
Senior Freeze may reimburse eligible seniors and individuals with disabilities for increases in property taxes on their primary residence. Stay NJ provides additional support to eligible senior homeowners.
Senior Freeze: 1-800-882-6597 · Division of Taxation: 609-292-6400
Maintaining a home can be expensive, especially when major repairs are needed. Homeowners may benefit from resources related to:
Homeowners may reduce expenses through energy-saving programs:
Homeowners experiencing difficulty paying their mortgage should seek assistance as early as possible. HUD-approved housing counselors can help homeowners understand:
HUD Housing Counseling: 1-800-569-4287
They are separate programs with separate rules. Review each — some homeowners qualify for more than one.
Programs open annually. Review current filing periods and apply during the next one.
Property tax relief and energy assistance usually deliver the fastest savings; counseling helps with mortgage difficulty.
ANCHOR property tax relief for eligible homeowners and renters.
Property tax reimbursement for eligible seniors and residents with disabilities.
Free or low-cost guidance on mortgages, budgeting, and foreclosure prevention.
Most homeowners who qualify never apply.
