NJHHF Application Process

NJHHF Application Process

Step 1: Apply

To apply for NJ Hardest Hit Fund assistance, use our online application system. Before you begin, 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.

If you do not have access to the internet from your residence, public computers can be found throughout the community at public libraries, educational centers, and One-Stop Career Centers.

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. During the underwriting stage, our underwriters will review your application to determine your eligibility.

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 will be paid directly to your mortgage servicer after the loan closing.


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!