Housing Coalition of Central New Jersey New Brunswick, NJ $14,923 The Housing Coalition of Central Jersey was established in 1981, has been HUD-certified since 1991, is FNMA-approved, and is approved for the New Jersey Housing and Mortgage Agency (NJHMFA) programs. The areas it serves are Middlesex, Essex, Monmouth, Mercer, Hudson, Hunterdon, Morris, Ocean, Passaic, Sussex, and Warren Counties, and Franklin Township in Somerset County. The Housing Coalition offers specific services to assist those who are traditionally underserved in the housing market, i.e., lower income households, members of racial and ethnic minorities, persons with disabilities, female-headed households, and the elderly. The services include comprehensive counseling (fair housing and tenancy), permanent housing stabilization (housing location assistance, home-sharing, and reverse mortgage counseling), and the Housing Access Project (pre/post-purchase, default/delinquency, and budget/credit counseling). All of the programs include information and referral components on housing options and assistance including rental assistance, emergency financial services, shelters, “Mt Laurel” housing, affordable (CRA) mortgages, rooming houses, and apartments. Coalition staff also provides community education to various groups and agencies throughout the service region.
St. James Community Development Corporation Newark, NJ $10,088 St. James Community Development Corporation was HUD certified in November 2000, and serves the residents of Essex County and the NY metropolitan area. The primary work of the St. James Housing Resource Center is its housing counseling program, consisting of individual counseling and group education. Services include credit issues and repair, budgeting and smart spending, house affordability, and mortgages.
Somerset County Coalition on Affordable Housing Somerville, NJ $18,376 Somerset County Coalition On Affordable Housing (SCCOAH) was founded in 1987. In February 1995, SCCOAH became a HUD-Certified Housing Counseling Agency. SCCOAH serves the entire County of Somerset. It also serves clients in other parts of New Jersey as the need for affordable housing increases. SCCOAH’s Housing Resource Center is the only centralized source of affordable housing information in Somerset County, taking referrals from State and County agencies, local municipalities and organizations, as well as other counseling agencies. SCCOAH offers a wide range of services: The Housing Resource Center, first-time homebuyers seminars, “Step by Step” counseling program, “First Home Club,” reverse mortgage counseling, default mortgage counseling, post-purchase counseling, “Fair Share” rental/purchase counseling, “Rental Realities” program, and “Credit When Credit is Due” program. The housing “Hot Line” and the SCCOAH web site allow clients to learn about the agency’s programs.
Isles, Inc. Trenton, NJ