New Jersey Housing and Mortgage Finance Agency

New Jersey Housing and Mortgage Finance Agency


Are you an existing borrower and have questions? 

Questions regarding Payment, Escrow, Insurance and Discharges of First Mortgages

Contact: Phone: 1-800-2Cenlar (1-800-223-6527)

Questions concerning Pay-Off Requests, Smart Start, Potable Water and HomeKeeper Loans

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

Title Companies - Questions regarding First and Subordinate Mortgages

First Mortgages Contact:

Phone: 1-800-2Cenlar (1-800-223-6527)

Subordinate Mortgages Phone: 1-800-NJ-House (1-800-654-6873)

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.


The Rental Assistance Program (RAP) is no longer accepting new applications. If you are a current participant looking to recertify, please click below.

For all other questions please call 609-278-8261 or email


What is the Rental Assistance Program?

The Rental Assistance Program (RAP) provides short-term rental assistance in the form of a grant to homeowners participating in the Rehabilitation, Reconstruction, Elevation and Mitigation (RREM) or the Low-to-Moderate Income Homeowners Rebuilding (LMI) Program. Rental Assistance Program funds are only available to assist with rent going forward and may not be used as a reimbursement for previously paid or incurred rent.

Rebuilding, repairing or elevating a home puts a significant strain on families who are already shouldering a great financial burden. If paying a rental payment during this process creates a hardship, this program may be able to help you.

All payments are based on the availability of the funding.



(Upload required documents and submit acknowledgements)



¿Habla Español?

Si necesita asistencia en Español, llame al 1-800-NJ-HOUSE.

Call the NJ Hardest Hit Fund toll free at 1-855-647-7700 or 609-278-7660 or email

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!


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:

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:

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