What Homeowners Need to Know

home image.png

Can I Be Removed From My Home Due to Foreclosure?

YOU CANNOT BE REMOVED FROM YOUR HOME DURING THE MORATORIUM, even if a final judgement of foreclosure has been entered and a sheriff’s sale of your property has taken place. The governor has declared an end to the public health emergency. However, the moratorium on foreclosures has been extended through November 15th, 2021.

If you believe your rights are being violated, please fill out this form

Need Assistance?

A HUD certified housing counselor will review your mortgage situation and help you understand your obligations and options. They can assist you with answering questions such as, what to do if you can’t pay your mortgage, the difference between refinancing and a home equity loan, and what programs can help with home repairs. Meetings with a certified housing counselor are completely confidential and many services are free of charge, or cost a small fee. To find a Housing Counselor near you, click the button below.

Is Housing Counseling right for you? Watch this quick video to find out.

Serious Young Afro Couple Listening To T

COVID-19 & Residential Mortgage Relief

New Home Owners

For assistance in understanding your options, eligibility, and what to ask for when speaking with your mortgage holder, get connected with a HUD certified Housing Counselor near you by calling us at 888-691-3002 or filling out the form on our homepage.

Find out if you are eligible for mortgage relief at the button below. Relief includes:

  • 90-day grace period for all mortgage payments to be added to the end of the mortgage term.

  • Relief from fees and charges for 90 days

  • No new foreclosures for 60 days

  • No credit score changes for accessing relief.

The button below also includes information on Removals, Mortgage Relief, and Foreclosure Court Hearings.

Emergency Rescue Mortgage Assistance Program

The Emergency Rescue Mortgage Assistance Program (ERMA) will provide up to $35,000 for:

  • Mortgage arrears;

  • Delinquent property taxes; and

  • Other housing cost delinquencies for eligible homeowners negatively impacted by the COVID-19 pandemic.


To qualify for ERMA, homeowners must:

  • Be a New Jersey homeowner with a demonstrated COVID-19 related financial hardship occurring after January 20th, 2022;

  • Own and occupy an eligible primary residence;

  • Have an income below 150% of their Area Median Income (AMI).

For more information on eligibility visit their website here or call 855-647-7700.

The ERMA application portal will open on February 8th, 2022 at 9:00AM. Click the button below to go to the application.

Hurricane Ida Storm Recovery

Homeowners affected by Hurricane Ida that live in Bergen, Essex, Gloucester, Hudson, Hunterdon, Mercer, Middlesex, Passaic, Somerset, or Union Counties may be eligible for assistance from FEMA.

If you have homeowners insurance, you should file a claim as soon as possible.

You can apply for assistance online at disasterassistance.gov or by calling 800-621-3362. Click the buttons below for explanations of available assistance.

For all other counties, please visit nj.gov/ida for resources and to visit NJ's data collection portal. 

What if I Can't Pay My Utility Bills?

The moratorium on utility shut offs ends July 1st, 2021. However, there is a grace period through March 15th, 2022 to give customers the time they need to enroll in payment assistance plans. No one should face disconnection of gas, electric, or water services before the end of the grace period.

If you are struggling to pay your utility bills, click here to see if you are eligible for any NJ Department of Community Affairs assistance programs. You can also contact your utility company about assistance programs and payment plans. If you are unable to resolve an issue with your utility company, you should contact the Board of Public Utilities’ Customer Assistance team by filling out this online form, or by calling (800) 624-0241 and leaving a voicemail.

NJ offers low-income households assistance with utility bills through its Low Income Home Energy Assistance Program (LIHEAP). To find out if you're eligible, or to learn more, click here.

Resources for Homeowners

Sign Up for Important Alerts

Stay informed on the latest updates and resources available to New Jersey homeowners, landlords, and renters! Available in English or Spanish
Enter your preferred method of contact below:

Thank you for your submission!