The New Jersey HomeKeeper Program offers up to $48,000 in forgivable mortgage assistance to New Jersey homeowners who are at risk of losing their homes to foreclosure as direct result of unemployment or underemployment through no fault, decision or personal circumstance of their own.
The program is funded through a federal grant from the United States Treasury’s Hardest Hit Fund, awarded to states most impacted by unemployment and underemployment. The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is the official administrator of the program for the State of New Jersey.
To find out if you may qualify, please visit our "Am I Eligible?" page.
To learn how to apply, please visit our "Take the Tour" page.
To fill out your application, visit our "Apply Now" page.
Complete Official Program Guidelines
As required by the United States Treasury, the complete program guidelines are available to download and review as a PDF file here.
As required by the United States Treasury, quarterly reports are to reflect loans funded with HomeKeeper monies as of the end of the quarterly reporting period. Shown below are NJHMFA's quarterly performance reports for the NJ HomeKeeper program, which is funded with Hardest Hit Fund monies provided by the U.S. Treasury Department.