New Jersey Housing and Mortgage Finance Agency

New Jersey’s Emergency Rescue Mortgage Assistance (ERMA)

Program Required Documents

Government Issued ID
  • Needed for all mortgagers, spouses, and other adults listed on the application as living in the property.
  • NJ Driver’s License, US Passport, NJ Non-driver ID card, or Military ID
Income Statements (minimum 4 weeks of pay statements)
  • Income Documents - Needed for all mortgagers, spouses, and other adults listed on the application as living in the property.
  • Paystubs (most recent 30-days), SSI/SSD statement or award letter, Pension or retirement statement or award letter.
Bank Statements (2 Months on all bank accounts)
  • Needed for all mortgagers, spouses, and other adults listed on the application as living in the property.
  • Most recent 60-days statements for all non-IRA accounts. Must have all pages for each of the statements to be reviewed.
Tax Returns and Signed 4506C (all returns 2019 forward)
  • Needed for all mortgagers, spouses, and other adults listed on the application as living in the property.
  • All federal tax returns from 2019 forward.
  • Signed 4506C Form - Needed for all mortgagers, spouses, and other adults listed on the application as living in the property.
Mortgage Statement (On all mortgages)
  • Most recent mortgage statement for all mortgages on the subject property.
Miscellaneous Docs (Please Read Description)
  • Current and Prior Years Profit and Loss Statement (Self Employed Applicants Only) - Needed for all self-employed mortgagors, spouses, and other adults listed on the application as living in the property.
  • Signed Lease Agreements – For Multi-Family Dwellings Only.
  • Proof of increased Covid-19 expenses (Bill and Receipt)
  • Bankruptcy documents.
  • Any other miscellaneous documents the applicant feel is important to share and to be considered for program assistance.