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Latest News For You | For Agency Professionals
Finding Housing You Can Afford
Housing Programs for Special Populations
Families Suffering from Domestic Violence
The Shelter Housing Exit Program (SHE) provides security deposits and rental assistance to victims of domestic violence and their children who are currently living in shelters or in transitional housing facilities. Its main goal is to move women living in shelters and transitional units into permanent housing - a place they can call home and a place to start their lives over, free from domestic violence.
Participants must be referred to the program by a Lead Domestic Violence Agency and their income cannot exceed 80% of the U.S. Department of Housing and Urban Development' (HUD) median income for the area in which they choose to live.
Both short and long-term assistance is available to program participants.
- Short-term assistance provides help with security deposit and up to two months rent.
- Long-term assistance provides help with security deposit and up to two-year rental subsidy.
For additional information, call (609) 633-6266 or e-mail Frances Moody.
Housing Opportunities for Persons with AIDS (HOPWA)
The Housing Opportunities Program provides housing assistance and supportive services for low-income persons with HIV/AIDS and their families by subsidizing a portion of the household's monthly rent. Assisted households are responsible for paying approximately 30% of their adjusted monthly income for rent and utilities. The program pays the balance of the rent to the landlord. The rent plus the utility allowance must be reasonable and may not exceed HUD's Fair Market Rent for the area.
Eligible applicants must
- be referred to the program by a participating HIV/AIDS service provider agency
- meet income guidelines, and
- live within the metropolitan statistical area to which they are applying
HIV/AIDS service providers submit applications on behalf of their clients. For additional information, call (609) 292-2213 or e-mail Meyer Pincelli.
Veterans Home Buyer Program
The New Jersey Housing and Mortgage Finance Agency (HMFA) offers low interest rate HMFA mortgages that provide veterans and their families with increased buying power and a savings of thousands of dollars in interest over the life of the loan. HMFA offers residential mortgages to United States veterans through the Veterans Administration (VA) home buyer program. Most HMFA homeownership loans are originated by private lenders that are approved to participate in the programs. More than 55 participating lenders with hundreds of locations throughout the state offer HMFA mortgage products, and can help determine the right mortgage for you.
VA home buyer loans often require no down payment and HMFA offers a below-market, fixed interest rate. Closing costs may not be included in the loan, however the seller is allowed to pay most costs, which makes it possible for a veteran to buy with virtually no cash down. Closing costs generally include VA appraisal, credit report, escrow, title evidence, recording fees, a 1% loan origination fee and discount points.
For information on HMFA consumer mortgage programs, call 1-800-NJ-HOUSE. Speech or hearing impaired individuals may call the TTY hotline at 1-877-325-6524. New Jersey Housing and Mortgage Finance Agency, 637 South Clinton Avenue, PO Box 18550, Trenton, NJ 08650-2085. Learn more>
Housing for People with Disabilities
Subsidized housing specifically designated for seniors and people with disabilities is available throughout the state. To locate subsidized housing that is accessible for people with disabilities in your area, search the NJ Housing Resource Center listings.
Housing for NJ Seniors
In the state of New Jersey 17 different types of housing arrangements are available for older adults. Help in paying for some of these options may be available for individuals with low incomes. In addition to housing assistance, many communities offer their senior residents additional services including transportation, congregate housing services, emergency response systems linked to hospitals or police stations, hospital outpatient medical services, health care education programs for the elderly and their families, shopping services, and telephone monitoring and personal visits by volunteers. Check with your county Area Agency on Aging for the availability of services in your area or call 1-877-222-3737 for further information.
Reverse Mortgages for Senior Citizens
A reverse mortgage enables seniors (62 and over) to access the equity in their home without a monthly repayment schedule for as long as they live in the home. Loan proceeds can be taken in a lump sum, monthly payments, line of credit or some combination of these options. The amount of the loan is determined by property value and borrower age. Counseling is required.
Unlike other forms of assistance, a reverse mortgage has no restriction on value of property, income requirements or verification. The loan plus all accrued interest can be prepaid, but generally is repaid from the proceeds from the sale of the home. Any funds remaining after repayment of the loan are paid to the borrower or their estate. Learn more by reading this Fact Sheet or calling 1-800-NJ-HOUSE (1-800-654-6873).
Need Help? – Dial 2-1-1
You are encouraged to dial “2-1-1” 24 hours a day, seven days a week if you need help in understanding and finding available assistance services. Language translation and TTY services are offered to any caller. You can also search our database for services in your local community or Chat Live with an experienced community resource specialist. 2-1-1 will help identify with you the best local resources to fit your individual needs during times of distress or for life’s everyday situations.
If you know of additional resources that would be appropriate to include in this section, please let us know by contacting us via e-mail at info@nj211.org.
Sources for this page include:
http://www.state.nj.us/dca/divisions/dhcr/offices/she.html
http://www.state.nj.us/health/senior/housingglossary.shtml
http://www.state.nj.us/dca/hmfa/consu/owners/revers/
http://www.military.com/benefits/veteran-benefits/new-jersey-state-veterans-benefits
http://www.bianj.org/housing
Page last modified on 12.15.09
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