The Emergency Rescue Mortgage Assistance Program (ERMA) was developed by the New Jersey Housing and Mortgage Finance Agency (NJHMFA)) to deploy federally allocated HAF funds to assist eligible NJ homeowners who have been financially affected by COVID-19. The program will help homeowners bring their mortgages and other housing-related expenses current.

If you do not have access to a computer, you can contact the NJ ERMA team by calling (855) 647-7700. The program team will assign applicants to a participating local HUD-certified housing counselor to provide free assistance with the application. Applicants may also connect with a HUD-certified counseling agency on their own from this list of Housing Counselors.

You can also email the ERMA team at [email protected] or call us at (855) 647-7700 between the hours of 8:30am and 5:30pm Monday through Friday.

Age Groups	Adults Seniors
Community Services	Basic Needs / Assistance Housing / Shelter Repairs / Improvements / Accessibility

Last Updated: 01/09/25