Emergency Rescue Mortgage Assistance (ERMA) | NJ Housing and Mortgage Finance Agency (HMFA)
637 S Clinton Ave, Trenton, NJ 08650
Eligibility
Homeowners who have suffered a COVID-19 related hardship that began on or after January 21, 2020, and are behind on mortgage and/or other eligible housing related expenses; call or visit website for full eligibility details
Required documents
Government issued ID, proof of income, bank statements, tax returns and signed 4506C, mortgage statement, proof of increased Covid-19 expenses
Hours
Website available 24 hours a day, 7 days a week
855-647-7700
Voice·
Hot-Line
609-278-7400
Voice·
Main Phone
Application process
Visit the website to apply for the loan.
Fees
None
Service area
NJ
Provides financial assistance to help homeowners who experienced COVID-19-related financial hardship remain in their homes by covering delinquent mortgage payments, future payments, and other housing-related costs through a forgivable, zero-interest loan administered statewide.
What's Here
Providing organization
NJ Housing and Mortgage Finance Agency (HMFA)
Funds affordable home ownership and housing opportunities for New Jersey residents, including programs for first-time home buyers. It promotes the construction and rehabilitation of rental housing and enhances the quality of life for older adults, the disabled, and those with special housing needs. Additionally, it utilizes federal and state funds to provide housing counseling services.