New Jersey Housing and Mortgage Finance Agency

Governor Phil Murphy • Lt. Governor Tahesha Way

New Jersey Housing and Mortgage Finance Agency

Homeowners

Are you an existing borrower and have questions? 

Homeowners contact information for questions regarding payment, escrow, insurance and pay-off or discharges of first mortgages:

  • loancare.com
  • LoanCare Customer Service Phone: 1-800-274-6600

Questions concerning Down Payment Assistance, Smart Start, Potable Water, HomeKeeper and all other Subordinate Loans all come to NJHMFA

  • Phone: 1-800-NJ-House (1-800-654-6873)

Title Companies contact information for questions regarding First and Subordinate Mortgages:

  • First Mortgages:
    • For payoff or subordinations on all portfolio loans except Ginnie Mae, Contact: 
      • loancare.com
      • LoanCare Customer Service Phone: 1-800-274-6600
  • Subordinate Mortgages:
    • Phone: 1-800-NJ-House (1-800-654-6873)

Trailing Document Submission:

  • Send originals to the following address:
    NJHMFA Single Family
    Attn: Collateral Department
    637 South Clinton Avenue
    Trenton, NJ 08611

NJHMFA's Potable Water Program is a no-interest second mortgage loan up to $10,000 is available to owners of single family residences whose source of drinking water comes from a private well that violates the state's Primary Drinking Water Standards or the standards for sodium, chloride, lead, mercury, iron, or manganese.
 
Loan proceeds can be used to pay for an alternative potable water supply or adequate and appropriate treatment technology.
 
Further detail is available on our Potable Water Fact Sheet  or call 1-800-NJ-HOUSE.

Call the NJ Hardest Hit Fund toll free at 1-855-647-7700 or 609-278-7660 or email hardesthitnj@njhmfa.gov.

For additional foreclosure prevention assistance, get a list of local housing counseling agencies who can provide you with no-cost assistance. There is NEVER a fee to get help!

 FRAUD ALERT

If you have a tip about potential waste, fraud or abuse in the Troubled Asset Relief Program, please report it to SIGTARP at the following link: https://www.sigtarp.gov/Pages/crimetips.aspx

NOTE: Homeowners will NEVER be asked to pay a fee for any New Jersey Hardest Hit Fund Program.

If you are asked to pay a fee, or suspect fraud or misrepresentation related to a NJ Hardest Hit Fund program or representative, you are encouraged to contact our office at 1-855-647-7700 or 609-278-7660.

You may also contact us at the following mailing address:

NJHMFA
637 South Clinton Ave.
P.O. Box 18550
Trenton, NJ 08650
Attn: NJHHF Program Manager