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Are you having difficulty making your mortgage payment because you have lost your job or because your employment income has been reduced? Are you looking for work but need short-term assistance to help you keep your home until you can find it? Or are you making your mortgage payments without a problem now but have arrearages due to a recent period of unemployment or underemployment? Help may be available through New Jersey HomeKeeper.

New Jersey HomeKeeper provides financial assistance to New Jersey homeowners who have a track record of making their mortgage payments on time  but are now at risk of losing their homes to foreclosure as direct result of unemployment or underemployment. The assistance is in the form of a 0% interest rate, deferred-payment second mortgage loan. The loan proceeds may be used to cover arrearages and/or a portion of the homeowner’s monthly mortgage payment, including property taxes, property insurance, and mortgage insurance. Homeowners may be eligible for up to $48,000 in assistance for a period of up to 24 months.

New Jersey HomeKeeper is funded through a federal grant from the United States Treasury’s Hardest Hit Fund awarded to States most impacted by unemployment and underemployment.


Click in the “Eligibility” tab and see if you might be eligible for the program. A link to the online application will be available there!


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