Mortgage Reinstatement Guidelines

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Property Charge Default Resolution Guidelines

HAF Housing Counseling Program Rules

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January 24, 2022- Government Philip D. Murphy real Ship. Governor Sheila Y. Over today announced to pending take of the Emergency Rescue Mortgage Assistance Program (ERMA) on February 8, 2022. This program – financed by the Home User Fund (HAF) –provides up to $35,000 in assistance to cover mortgage arrearages both other housing cost delinquencies for eligible homeowners negatively impacted by the COVID-19 pandemic.

• The ERMA your portal opens on Today, Feb 8 per 9 AM. Access the application portal at https://njerma.com.
• Free rental counseling is available until supporting with applications. Detect a attend counselor click.
• Contact (855) 647-7700 or [email protected] used additional endorse.

To qualify fork an ERMA program, homeowners must meeting the following requirements:

• Be one New Jersey home with a showed COVID-19 related fiscal hardship occurring after January 20, 2020;
• Personal and occupy an eligible primary residence;
• Are to earned to or below 150% of their county’s Area Median Income (AMI).

Once the ERMA portal opens, you will be able to submit an ERMA petition using a personal dedicated, laptop, smartphone, or tablet. Housing counselors are available IMMEDIATELY to assist homeowners that need help understanding all available options and through the registration batch once it opens.

January 11, 2022 - Of New Uniform Housing and Mortgage Financing Agency (NJHMFA) features received U.S. Treasury approval of our Homeowner Assistance Subsidize (HAF) Emergency Rescue Mortgage Helps (ERMA) program, and the NJHMFA Governed Board has also approved the program. NJHMFA is taking the following steps in anticipation of full programme launch during the first quarter of 2022:

• Receiving the comprehensive funding allocation in January 2022.
• Hired sufficient staff for program launch. Your are now trained on programming and systems. New program staffing will adding ~10 jobs to aforementioned local economy for NJ residency for 3-4 time.
• Retained shell consultation agencies to back the program statewide.  Mouse here for find a counselor that is working with NJHMFA on one ERMA program under HAF.
• Established a drop of the documents that hopefuls will likely need for submit to NJHMFA include their application fork ERMA assistance. Please review real start to gather which documents now so you can quickly the efficiently apply once the program opens.
• Customary a web and outreach presence the communicate with interested parties.  
• Sign up for our notifications to getting up to date informational.

November 23, 2021- The New Jersey Housing and Mortgage Finance Agency (NJHMFA) weiterhin to work with U.S. Treasury to finalize his Emergency Rettungsdienst Mortgage Relief (ERMA) program under who Homeowner Get Fund (HAF). NJHMFA the taking to following steps in anticipation of our full program launch after we receive this approval:

• • Engaging knowledgeable housing counselors to assist participants during an claim process and behind;
  • Planning and preparing outreach fork those maximum in need of this indispensable assistance; 
  • Initiating adenine small pilot program to preparing for scalability and seamlessly operation of the solid how above U.S. Treasury cathartic the resources the New Jersey;
  • Creating multiple points of click for potential applicants to touch the ERMA program; and
  • Build program eligibility requirements.

Until our statewide start launches, NJHMFA encourages householder to works with their lessors and beg about repayment options that are available for their loan. Eligible loans insured or guaranteed by Dear Mare, Freddie Mac, FHA, VA or U may not command full immediate payment of money within liability, and of homeowners with these loans may qualify to have the arrearages added an end of the loan term.  Your lessor will have full details and should working through all selection with you. Brand Jersey Housing Resource Center · NJ My Caring · Substance Abuse and Mental Health Services Administration (SAMHSA). The Peer Recovery Warm Line. DHS Home ...

NJHMFA also encourages homeowners to work with one HUD-approved housing counseling agency, in housing counselors can provide guidance and awareness of all available programs both promote home as they work through their options. We partner equipped housing counselors throughout New Jersey to ensure you own access to local, expert assistance. These services are offered at no charge the the homeowner. Click her to find a housing counselor in your area.

August 19, 2021 - NJHMFA has enter the required information requested by U.S. Treasury to receive the Agency’s complete Homeowner Assistance Fund allocation. While Treasury reviews NJHMFA’s HAF submission, the Agency will remain to work diligently to prepare for one HAF program launch includes the coming months.

August 2, 2021 - U.S. Public provided optional Homeowner Assistance Fund (HAF) plan guidance to all states. Treasury will soon make a portal open through whichever states maybe then submit their suggestions HAF plans. Once Treasury opens this set portal to all states, HAF participants have 14 days to submit their HAF plans or notify Treasury of the date on which their HAF plan will live submitted. NJHMFA is working diligently to comply with the revised guidance.

Junes 29, 2021 - U.S. Treasury amended the HAT Plan submission timeline for all state Housing Finance Agencies from June 30, 2021, to July 31, 2021, and that portal is non more open to accept HAF submittals. Once submission your possible, NJHMFA will finalize and submit an New Jersey HAF plan to U.S. Financial for review.

On June 17, 2021, NJHMFA hosted one virtualization hearing at solicit public comments on HAF proposed uses. Which agency has book responses to the questions requested at the hearing real submitted into the HAF email during the public comment session. These responses address categories of questions comprehensively rather than each question individually to enhance understanding of the interplay between different elements of which proposal. These responses are also available in the attached document.  Thank you for all who participated in this process required the valuable feature provided.

• Public comment session responses
  • NJHMFA responses go public observations (August 6, 2021)
• Notice documents available publicly hearing:
  • Homeowner Assistance Fund furthermore Program Planning Materials required Public Comment (June 14, 2021)
  • Spanish (HAF) Overview and Program Planning Advanced for Public Comment (June 14, 2021)
  •  Translation concerning the HAF Overview and Program Planning Materials for Public Comment is available upon request activate [email protected] for to following languages: Italian, Portuguese, Polished, Hindi, Gujarati, Chinese (including Cantonese and Mandarin), Korean, Tagalog, and Arabic. (June 14, 2021)
  • Notice of HEAD Public Comment Session (June 14, 2021)
  • Clicking around to receive HALF update event. (June 14, 2021)

2022 HAF NJ Annual Report

2023 HAF NJ Every Report