Support for homeowners experiencing financial hardship, mortgage difficulty, or risk of foreclosure.
Homeowner assistance programs provide support to eligible homeowners who are experiencing financial challenges that may affect their ability to remain in their homes.
Homeowners may face challenges because of loss of income, reduced work hours, unexpected expenses, medical costs, or other temporary hardships. Seeking help early may provide more options.
Eligibility requirements vary by program.
The New Jersey Housing and Mortgage Finance Agency provides housing resources and assistance information for New Jersey homeowners.
Seek legal assistance as soon as possible if court proceedings have started.
Free or low-cost housing counseling may help homeowners:
Homeowners experiencing difficulty managing housing costs should also review available property tax relief programs:
No. Assistance may be available well before foreclosure becomes an immediate threat.
Many HUD-approved agencies provide services free or at low cost.
Mortgage documents, income records, monthly expenses, and any lender notices.
Housing assistance programs, rental resources, and homelessness prevention.
Help exists before foreclosure.
Connecting with a counselor early protects housing stability and avoids unnecessary costs.
