New Jersey's Hardest Hit Fund

New Jersey's Hardest Hit Fund

New Jersey’s Hardest Hit Fund (NJHHF) program is funded through a federal grant from the United States Treasury’s Hardest Hit Fund (HHF). The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is the official administrator of the program for the State of New Jersey.

New Jersey HomeSaver Program

New Jersey HomeSaver offers eligible homeowners up to $50,000 in financial assistance to help bring their household monthly payment to an affordable level by using HHF funds to facilitate a refinance, recast, or permanent modification of the first mortgage loan.

HHF logos

Am I Eligible?

You may be eligible for NJHHF assistance if you:

  • Are a New Jersey homeowner at risk of foreclosure through no fault of your own.
  • Own only one residential home (one, two, or three-units), and currently reside in that home.
  • Suffered a qualifying involuntary financial hardship that caused or will cause you to fall behind on your mortgage payment.
    • Hardships that may qualify homeowners for assistance include:
      • An involuntary loss of employment income.
      • A reduction in household income due to underemployment or other demonstrated financial hardships including medical, divorce, disability or death.

If ALL OF THE ABOVE apply to your current situation, you may be eligible for assistance through New Jersey's Hardest Hit Fund Program. You are encouraged to APPLY NOW!

Click Here to Apply 
Can't see the graphic? Use this link to apply 


If you have a tip about potential waste, fraud or abuse in the Troubled Asset Relief Program, please report it to SIGTARP at the following link:

NOTE: Homeowners will NEVER be asked to pay a fee for any New Jersey Hardest Hit Fund Program.

If you are asked to pay a fee, or suspect fraud or misrepresentation related to a NJ Hardest Hit Fund program or representative, you are encouraged to contact our office at 1-855-647-7700 or 609-278-7660, or via email at

You may also contact us at the following mailing address:

637 South Clinton Ave.
P.O. Box 18550
Trenton, NJ 08650
Attn: NJHHF Program Manager