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The Monmouth County Division of Social Services (MCDSS), also known as the Monmouth County Board of Chosen Freeholders, has been a progressive County Welfare Agency for over 30 years. MCDSS has been a HUD-certified housing counseling agency since 1979. As a division of the County Department of Human Services, MCDSS is one of two lead agencies responsible for housing in Monmouth County. The services provided are: counseling for pre- purchase/pre-rental, including tenant’s rights; mortgage default; post-occupancy; rental delinquency; HECM; energy conservation; displacement and fair housing.

New Jersey Citizen Action Hackensack, NJ $19,425 The New Jersey Citizen Action, also known as Citizen Action Loan Counseling Service, was created in November 1993. Citizen Action operates 18 counseling offices throughout the state. It provides handicap accessibility, alternative counseling sites, home counseling to bedridden clients, and interpreters for Spanish and other languages. Citizen Action works very closely with many state, county, and local agencies. NJCA provides comprehensive loan counseling services to assist low and moderate-income families in New Jersey to obtain mortgages and home improvement loans. Its programs include: counseling, consumer education, community meetings, individual counseling, and loan referrals.

Senior Citizens United Community Services, Inc. (SCCS) Mt. Ephraim, NJ $15,268 Senior Citizens United Community Services, Inc. has been a HUD-certified housing counseling agency since 1990, providing HECM counseling to senior citizens in Camden, Gloucester, Burlington, and Mercer counties. Additional services to the community include respite care, alternate family care, homemaker, shared housing, emergency assistance, and financial counseling/training.

Affordable Homes of Millville Ecumenical (AHOME), Inc. Millville, NJ $17,340 AHOME has been providing housing counseling for seven years and became a HUD-certified housing counseling agency in November 2000. AHOME provides services to the City of Millville (Cumberland County), although the program is open to anyone from any area. The AHOME counseling program has a very strong focus on preparing families for the future, financially. Housing counseling and finance education are provided by AHOME in two ways: by providing personalized and comprehensive education one-on-one with each client, and by providing large group seminars on housing, finance, and asset building. Clients are given extensive training on all issues related to rental and for-sale housing. Clients who participate in the AHOME housing counseling/personal finance education program are taught how to make good decisions such as ownership vs. rental and discriminatory practices in housing. The curriculum includes: “Are You Ready to Buy a House,” housing selection, fair housing and anti-discrimination law, money management, home repair and maintenance and post- purchase counseling.


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