Within the past 12 months, you or your spouse or civil union partner have become:

»Unemployed or underemployed, through no fault of your own, which caused you to fall behind on your mortgage,  OR

» Unemployed or underemployed, and while you have stayed current with your mortgage payments thus far, you have not yet regained enough income/resources to continue paying on time for much longer, OR

»Unemployed or underemployed, and you have since regained enough income to pay the mortgage but need help covering the arrearages that accumulated during the unemployment/underemployment period.

The HomeKeeper Program offers financial help to NJ homeowners who are in danger of losing their homes as a direct result of unemployment or underemployment.  NJ HomeKeeper is funded through a federal grant from the US Treasury's Hardest Hit Fund.  Eligible homeowners may receive up to $48,000 in assistance for a term of up to 24 months.  The assistance may be used to help homeowners make their mortgage payments while they seek work or complete an approved job training program and/or may be used to help with arrearages.  HomeKeeper assistance is provided in the form of a second mortgage loan, repayable should the homeowner sell, refinance, transfer or cease to occupy the property within 10 years from the date of the assistance loan.

For more information and eligibility criteria, visit www.NJHomeKeeper.gov or call 1-(855)-NJ-KEEP-1