New Jersey Housing and Mortgage Finance Agency

Find a Counselor

Whether you have missed payments or feel that you may soon miss a payment because your mortgage is no longer affordable to you, you need to take action immediately.

Step 1: Contact your mortgage servicer to discuss your options. Ask to be considered for any available federal or state programs.
Step 2: Contact a local housing counseling agency from the list below and get no-cost help. 
Step 3: Together, you will find the solution that is best for you

Remember, there is NEVER a fee for foreclosure prevention help!

Having difficulty getting assistance from your mortgage servicer? See Step 2 above. 
Contact a counselor who can determine if you qualify for assistance programs, and who can recommend a course of action based on your unique facts and circumstances.

 

 Atlantic County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233   FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Bergen County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership  973-659-1414  FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506  FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Burlington County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi  800-989-2227  ERMA
Navicore 866-472-4557 ERMA
Camden County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Cape May County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Cumberland County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Essex County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Gloucester County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Hudson County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Hunterdon County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Central Jersey Housing Resource Center 908-446-0039 FMAP
Puerto Rican Action Board 732-249-9700 FMAP
Mercer County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 ERMA
Isles, Inc. 609-341-4783 FMAP & ERMA
Affordable Housing Alliance of NJ 732-389-2958 FMAP
Middlesex County
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Central Jersey Housing Resource Center 908-446-0039 FMAP
Puerto Rican Action Board 732-249-9700 FMAP
Monmouth County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 ERMA
Isles, Inc. 609-341-4783 FMAP & ERMA
Affordable Housing Alliance of NJ 732-389-2958 FMAP
Morris County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Ocean County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 ERMA
Isles, Inc. 609-341-4783 FMAP & ERMA
Affordable Housing Alliance of NJ 732-389-2958 FMAP
Passaic County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Salem County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Clarifi 800-989-2227 ERMA
Navicore 866-472-4557 ERMA
Somerset County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Navicore 866-472-4557 FMAP & ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Central Jersey Housing Resource Center 908-446-0039 FMAP
Puerto Rican Action Board 732-249-9700 FMAP
Sussex County
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Union County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA
Warren County 
Consumer Credit and Budget Counseling 609-390-9652 | 888-738-8233 FMAP & ERMA
NJ Citizen Action 800-656-9637 | 973-643-8800 FMAP & ERMA
Housing Partnership 973-659-1414 FMAP & ERMA
Tri-City Peoples Corporation 973-676-5506 FMAP & ERMA
Navicore 866-472-4557 ERMA
​Puerto Rican Association for Human Development (PRAHD) 732-638-2854 FMAP & ERMA
Epic CDC 732-727-9500 FMAP & ERMA