NJHHF Application Process
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NJHHF Application Process

As of 12/15/17, The New Jersey Housing and Mortgage Agency will temporarily suspend applications to the HomeKeeper and HomeSaver Programs.  Please continue to check the website for updates regarding these programs.
For further assistance and to get in contact with a housing counselor today, visit our Foreclosure Fast Facts and Resources page at http://www.njhousing.gov/foreclosure/facts/ 


Step 1: Apply

To apply for NJ Hardest Hit Fund assistance, use our online application system. Please have your mortgage loan information and financial information available.

If you are attempting to reapply, please contact 1-855-647-7700 or 609-278-7660 for assistance.

Step 2: Housing Counseling

When you have completed the online application you will be assigned a HUD Certified Housing Counselor located in the county where you live. Your housing counselor will contact you (via phone or email) to set up an appointment to review your application and the required documents. 

During your appointment, the counselor will review your financial situation, the NJ Hardest Hit Fund application, and will discuss any other state and federal assistance for which you may be eligible. 

Step 3: Application Review

After your appointment and when all required documents have been submitted, your application will progress to the underwriting stage, where our underwriters will review your application to determine your eligibility.

A determination will be made as to which New Jersey Hardest Hit Fund program (HomeSaver or HomeKeeper), if any, can assist you with your current situation.  

Processing times may vary depending on the volume of applications received during a given week. Please allow up to 8 weeks for processing of your application.

Step 4: Loan Closing

If your application is approved, the loan closing will be scheduled by a participating closing agent at your home or at the closing agent’s office.

After the loan closing, please allow 7-10 business days for verification of required loan closing documents before disbursement is made to your mortgage servicer.

Step 5: After the Loan Closing

Depeding on the program, a one-time disbursement and/or up to 12 monthly payments will be paid directly to your mortgage servicer after the loan closing.

Continued eligibility requirements/recertification may apply for those borrowers receiving NJ HomeKeeper monthly payment assistance.


Please refer to our FAQ page to see our most commonly asked questions.

Call the NJ Hardest Hit Fund toll free at 1-855-647-7700 or 609-278-7660, or email hardesthitnj@njhmfa.gov. Due to a high volume of inquiries, we ask that you please be patient when waiting for a response.

For additional foreclosure prevention assistance, please refer to our Foreclosure Fast Facts & Resources page to get a list of local housing counseling agencies who can provide you with NO-COST assistance. There is NEVER a fee to get help!