HOW DO I APPLY?
To apply for Homekeeper assistance you will need to apply online using a computer with internet access*. The online application contains all of the information that you will need to begin your application for assistance, with step by step instructions and prompts to help you. The online application is available here.
*If you do not have access to the internet from your residence, public computers can be found throughout the community at public libraries, educational centers and One Stop Career Centers.
WHAT HAPPENS AFTER I COMPLETE THE APPLICATION?
When you have completed the online application you will be able to print out the application, necessary forms and the contact information for a participating housing counseling agency near your home. Within 10 business days, the counselor will call you to schedule an appointment to review your application and other required information. You must bring with you to this meeting the application and the necessary forms that you printed from your computer. One of the forms will be a list of other supporting documents that you'll also need to gather and bring to the meeting, such as the following:
Information about your first mortgage, such as your monthly mortgage statement
Information about any second mortgage or home equity line of credit, or other liens on the house
Your most recent income tax returns
Information about your checking and your savings account and other assets
Information about the monthly gross (before tax) income of your household, including recent paystubs, or documentation of income you receive of other sources (unemployment compensation)
The housing counselor will review your financial situation and your HomeKeeper application. The housing counselor will also provide you with information on other state and federal assistance programs you may be eligible for. When the housing counselor determines that you have met the basic eligibility criteria for HomeKeeper, your application will be forwarded to the HMFA. HMFA staff will make the final decision regarding your assistance.
IS MY BANK (MORTGAGE PROVIDER) PARTICIPATING IN THE PROGRAM?
If your bank is not currently participating in the program, HMFA will make its best efforts to obtain its participation.
HOW MUCH ASSISTANCE COULD BE AVAILABLE FOR ME?
The maximum payment amount will be up to $48,000 and the maximum period of assistance will be 24 months. Not all homeowners will receive
the maximum amount. The amount of your assistance will be determined after your application is reviewed.
WHERE CAN I FIND ADDITIONAL INFORMATION ABOUT THE NJ HOMEKEEPER?
See the HomeKeeper Program Guidelines for more detailed information.