New Jersey Housing and Mortgage Finance Agency

Governor Phil Murphy • Lt. Governor Tahesha Way

New Jersey Housing and Mortgage Finance Agency

Homeowners

Are you an existing borrower and have questions? 

Homeowners contact information for questions regarding payment, escrow, insurance and pay-off or discharges of first mortgages:

  • loancare.com
  • LoanCare Customer Service Phone: 1-800-274-6600

Questions regarding existing second mortgage/Down Payment Assistant (DPA):

Title Companies contact information for questions regarding First and Subordinate Mortgages:

  • First Mortgages:
    • For payoff contact:
      • loancare.com
      • LoanCare Customer Service Phone: 1-800-274-6600
  • Subordinate Mortgages:

Trailing Document Submission:

  • Send originals to the following address:
    NJHMFA Single Family
    Attn: Collateral Department
    637 South Clinton Avenue
    Trenton, NJ 08611

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.

NJ Hardest Hit Fund

The NJ Hardest Hit fund Program is closed, and no longer accepting applications. If you have previously received HHF assistance and need help you can email our team. If you require a payoff for your assistance loan, please email Payoffs@njhmfa.gov. If you are doing a rate and term only refinance and need a subordination, please email Subordinations@njhmfa.gov. Please allow up to 2 business days for a response.


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!