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
- have a medical professional verify HIV/AIDS status
- be receiving HIV/AIDS case management
- meet current Housing Opportunities Program income guidelines
- live within the metropolitan statistical area to which they are applying
HIV/AIDS service providers submit applications on behalf of their clients to:
New Jersey Department of Community Affairs, Division of Housing and Community Service, P.O. Box 051, Trenton, NJ 08625-0051; ATTN: Verlina Reynolds, HOPWA Coordinator
Housing Programs for Veterans
Veterans Home Buyer Program
The New Jersey Housing and Mortgage Finance Agency (HMFA) offer 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) homebuyer 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
Ready Vet Go is a program administered by Catholic Charities to serve veterans and their families who are homeless or nearly homeless. Assistance through this program is confined to residents in six southern NJ counties including Atlantic, Cape May, Camden, Cumberland, Gloucester, and Salem. The goal of the program is to stabilize the housing needs of veterans by providing outreach, intensive case management services, assistance with applications for VA benefits and other social services, legal counseling, health services, financial planning services and limited financial assistance in some circumstances. For further information, email or call Mark Taylor at 856.342.4113.
Additional resources from our readers
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.
The Supportive Housing Association of New Jersey (SHANJ) has developed a 'Housing Hub' in connection with New Jersey Council on Developmental Disabilities. The Hub encourages and enables individuals and families to establish a home that promotes the utmost independence.
For a comprehensive review of the landscape of supportive housing in New Jersey read The Journey to Community Housing with Supports.
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, healthcare 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 the 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 calling 1-800-NJ-HOUSE (1-800-654-6873).
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