2707 Main Street Sayreville, NJ 08872

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New Jersey HUD Approved Housing Counseling Agency

NJ Sandy Recovery Housing Counseling Program

NJ Energy Assistance Resources

NJ Renter Specific Resources

NJ Homeowner Specific Resources

NJ Other Resources

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NJ Homeowner Specific Resources

The State of New Jersey has set up a host of housing recovery programs along with supporting infrastructure. These programs are now operational, but given their scope and scale require multiple years to fulfill their goals. In addition, the private and non-profit sectors have also increased capacity to address the various demands associated with Sandy housing recovery.

For example, the building community is expanding its capacity to handle the exponential growth in construction needs. The architect and engineering community is managing the massive injection of designs and planning for elevation across the state. Municipalities are adapting to the influx of zoning and permitting reviews and addressing the challenges of revisiting local codes to facilitate quick recovery. Utility companies are responding to the volume of disconnects and reconnects, handling meter heights for homes being elevated and responding to the new landscape of the New Jersey shore.

As a result of this build out in capacity, New Jersey’s recovery infrastructure is up and running and housing projects throughout the state have transitioned from development to construction. Many projects are complete.

Also, the State launched additional housing recovery programs in early 2015. The intent of these programs is to allow the State to help low-to-moderate income homeowners rebuild their Sandy-damaged homes, help homeowners pay the rent for temporary housing while their homes are undergoing repair, rebuilding or elevation, buy out homes in communities vulnerable to repetitive flooding, provide housing counseling services to Sandy-impacted households, and expand outreach efforts to ensure full and meaningful access to recovery assistance for vulnerable populations, including low-to-moderate income households and individuals of Limited English Proficiency (LEP) living in the nine counties that HUD determined were most impacted by Sandy.

  • Blue Acres
  • FHA Short Refinance
  • Home Affordable Foreclosure Alternatives (HAFA)
  • Home Affordable Modification Program (HAMP)
  • Home Affordable Refinance Program (HARP)
  • Home Affordable Unemployment Program (UP)
  • Homeward Bound Homebuyer Mortgage Program
  • New Jersey Homesaver Program
  • Police and Firefighter’s Retirement System Mortgage Program
  • Potable Water Loan Program
  • Sandy Home Repair and Advocacy Program
  • Sandy Relief Home Access Program
  • Smart Start
  • Stay at Home Streamline Refinance Program

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