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United States Department of the Treasury

Homeowner Assistance Fund Plan

Submitted by New Jersey Department of Community Affairs

HAF Grantee Plan Name

HAFP-0024
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United States Department of the Treasury

Homeowner Assistance Fund Plan For Participants 

with Allocations $5 million or Greater

Allocation Amount $5 Million or Greater

Submission Date 11/19/2021 9:23 AM

Total Plan Requested Amount $325,965,861.00

Record Type State

Application Record SLT-0066

HAF Grantee Plan Status (external) Funded
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Homeowner Needs and Community Engagement

What Quantitative Data Has Informed the Participant’s Planning?

Treasury will assess the extent to which a Participant has, in the course of its HAF planning process, relied on

quantitative data, including from community-based organizations or organizations that serve potentially

eligible homeowners. 

In its HAF planning process, has the Participant obtained quantitative data from mortgage servicers, private

data providers, government entities, community-based organizations, or other sources to inform its planning

about how to target and best serve eligible homeowners with mortgage delinquencies, defaults, foreclosures?

Yes

If yes, please list and, briefly describe each source of quantitative data.

NJHMFA obtained and analyzed quantitative data from several sources including recent

demographic and mortgage delinquency and forbearance findings from the Consumer Finance

Protection Bureau (CFPB); demographic and household data from the United States Census

Bureau’s (USCB) American Community Survey and the Household Pulse Survey; labor force

and unemployment data from the United States’ Bureau of Labor Statistics (BLS) and the New

Jersey Department of Labor and Workforce Development; and mortgage forbearance and

delinquency data provided through a data-sharing agreement with the Federal Reserve Bank of

Atlanta and Black Knight. Additionally, NJHMFA utilized local state area loan performance

data from CoreLogic.

In its HAF planning process, has the Participant obtained and reviewed quantitative data or studies regarding

which demographic segments in its jurisdiction have historically experienced discrimination in the housing or

housing finance market?

Yes

If yes, please list and, briefly describe each source of quantitative data.

-NJHMFA recognizes that many New Jersey homeowners belong to communities that have

historically experienced housing discrimination. Accordingly, NJHMFA has included data and

references from the New Jersey Institute for Social Justice on the history and impact of housing

discrimination on New Jersey’s socially disadvantaged communities.

-New Jersey Institute for Social Justice. Erasing New Jersey’s Red Lines: Reducing the Racial

Wealth Gap through Homeownership and Investment in Communities of Color. 2020.

-The Urban Institute. How Newark, New Jersey, Provides a Template for Targeting the

Homeowner Assistance Fund. September, 2021.

In its HAF planning process, has the Participant obtained quantitative data from utility providers or entities

charged with assessing and collecting property taxes or relied on quantitative data or studies to inform its

planning about how to target and best serve eligible homeowners at risk of displacement due to utility

arrearage or tax foreclosure?
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Yes

If yes, please list and, briefly describe each source of quantitative data.

NJHMFA received 2020 municipal tax data from New Jersey's Department of Community

Affairs (DCA) regarding overdue tax collections. The DCA data accounted for 553 municipalities

(or 98% of all New Jersey towns) on overall collections.

In the following text box, please list any source not listed above of quantitative information, including

sources of data on the performance of any of the Participant’s previously implemented programs, that the

Participant used to inform its HAF planning process, briefly describe how the data informed the Participant’s

planning.

As a Hardest Hit Fund participant, NJHMFA’s internal data and mortgage reinstatement

program experience inform the Agency’s proposed guidelines and performance metrics.

Did the Participant communicate with mortgage servicers regarding the development of its program design?

Yes

Did the Participant communicate with other HAF participants regarding the development of its program

design?

Yes

How Has Community Engagement and Public Participation Informed the

Participant’s Planning?

Treasury will assess the extent to which a Participant’s assessment of homeowner needs has been informed

by and reflects input from organizations and individuals representing eligible homeowners, including any

opportunities for public participation in the development of the Participant’s plan. Treasury will pay

particular attention to the extent of the Participant’s engagement with populations that are the subject of

statutory targeting requirements.

Has the Participant requested and received input on its HAF planning process from providers of housing

counseling services or providers of legal assistance to homeowners facing foreclosure or displacement?

Yes

Provider information

If yes, please list such providers, including the providers’ address and website. Please indicate by checking

the appropriate box below if the provider’s primary purpose is to serve low- and moderate-income

households or to address the impacts of housing discrimination on one or more demographic groups in the

Participant’s jurisdiction.
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Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Housing and Community Development Network of New Jersey

145 W. Hanover St, ,Trenton,New Jersey 08618

https://www.hcdnnj.org/

New Jersey Citizen Action

625 Broad Street, Suite 270 ,Newark,New Jersey 07102

https://njcitizenaction.org/

New Jersey Organizing Project

P.O. Box 1069 ,Manahawkin,New Jersey 08050

https://newjerseyop.org/

Legal Services of New Jersey

P.O. Box 1357 ,Edison,New Jersey 08818

https://www.lsnj.org/

Has the Participant requested and received input regarding its HAF planning process from community-based

organizations or organizations that serve potentially eligible homeowners?

Yes

Community Information

If yes, please list such organizations, including the providers’ address and website if available. Please

indicate by checking the appropriate box below if the provider’s primary purpose is to serve low- and

moderate-income households or to address the impacts of housing discrimination on one or more

demographic groups in the Participant’s jurisdiction.
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Organization Name 

Organization Address 

Organization Website

Organization

Primarily

Serves LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Fair Share Housing Center

510 Park Boulevard, Cherry Hill, New Jersey 08002

https://fairsharehousing.org/

Legal Services of New Jersey

P.O. Box 1357, Edison, New Jersey 08818

https://www.lsnj.org/

Local Initiatives Support Corporation

550 Broad Street, Suite 201, Newark, New Jersey 07102

https://www.lisc.org/greater-newark/

New Jersey Institute for Social Justice

60 Park Place, Suite 511, Newark, New Jersey 07102

https://www.njisj.org/

Has the Participant consulted with localities or tribal governments (cities, counties, or rural communities) in

its jurisdiction regarding the needs of eligible homeowners in its jurisdiction?

No

Has the Participant provided an opportunity for public input regarding its HAF Plan through public hearings

or published materials?

Yes

If yes, please indicate whether a proposed or draft plan was published, please describe where details about the

comment solicitation were posted, for how long, in what languages, and whether any efforts were made to

make the posting accessible to persons with disabilities or individuals without reliable internet access.

-NJHMFA held two public hearings in June. The first presented an outline of the proposed plan

for Board approval. The second solicited public comment on the proposed plan. Both meetings

were properly noticed public meetings under the New Jersey Open Public Meetings Act (N.J.S.A.

10:4-6 et seq.).

-Before the second hearing, NJHMFA undertook extensive public outreach to ensure that

members of the public could access and comment on the Agency’s proposal. This included

posting program outlines on its website; advertising the public meeting with links to the proposal

documents through the Agency’s quarterly newsletter; and direct notifications to 7,400 separate

email addresses via an Agency list serve. Further, NJHMFA posted information and links to its

various social media channels, and invited stakeholders including but not limited to the New

Jersey Institute for Social Justice, the Housing and Community Development Network of New

Jersey, Fair Share Housing Center, New Jersey Policy Perspective, New Jersey Future, New

Jersey Citizen Action, the New Jersey League of Municipalities, the New Jersey Mortgage

Bankers Association, Legal Services of New Jersey, and the New Jersey Organizing Project. 
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-Program materials were offered in twelve languages and compatible with disability access

technology for three weeks prior to completion of the plan. Additionally, a 12-day comment

period ensured sufficient opportunity for review and comment.

How Will the Participant Continue to Assess the Needs of Eligible

Homeowners?

Treasury anticipates that an ongoing process of assessing the needs of eligible homeowners will help address

the needs of potentially eligible homeowners as economic conditions change over time.

Does the Participant plan to update its assessment of community needs within the next year to determine

whether its HAF program design should be updated to address changing needs of potentially eligible

homeowners?

Yes

What additional data would be helpful to the Participant as it seeks to assess homeowner needs over time?

-NJHMFA will monitor market trends and data including, but not limited to, forbearance and

delinquency rates among all mortgage types. Data related to delinquency rates for reinstated

loans or loans in forbearance would facilitate additional market analysis.
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Program Design

What are the Program Design Elements Through Which the Participant Will

Deliver HAF Assistance to Eligible Homeowners?

A program design element is a specific activity or program, which is consistent with a qualified expense

category, under which a Participant will disburse HAF funds in accordance with the HAF Plan. Please note

that multiple program design elements may fit under a single qualified expense category; for example, a

mortgage assistance program that has different terms for federally backed mortgages and manufactured-home

mortgages may constitute two separate program design elements, for which case the Participant provides a

separate term sheet or other description for each program design element. 

HAF participants must have at least one program design element intended to reduce mortgage delinquency

among targeted populations. Treasury encourages HAF participants to consider program design elements that

address homeownership preservation for targeted populations in areas where there is a sustained trend of

increasing property taxes or utility costs, including for households that do not have mortgages.

Please identify each qualified expense category in which the Participant will offer a program design element

by checking the boxes below.

mortgage payment assistance 

 mortgage principal reduction, including with respect to a second mortgage provided by a nonprofit

or government entity 

 payment assistance for homeowner’s utilities, including electric, gas, home energy, and water 

 payment assistance for homeowner’s insurance, flood insurance, and mortgage insurance 

 payment assistance for delinquent property taxes to prevent homeowner tax foreclosures 

 payment assistance for down payment assistance loans provided by nonprofit or government

entities 

 financial assistance to allow a homeowner to reinstate a mortgage or to pay other housing-related

costs related to a period of forbearance, delinquency, or default 

facilitating mortgage interest rate reductions 

 payment assistance for homeowner’s internet service, including broadband internet access service,

as defined in 47 CFR 8.1(b) 

 payment assistance for homeowner’s association fees or liens, condominium association fees, or

common charges 

 measures to prevent homeowner displacement, such as home repairs to maintain the habitability of

a home or assistance to enable households to receive clear title to their properties 
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For each program design element that the Participant will offer, the Participant is required to upload a term

sheet or other description, that, at a minimum, provides the following information regarding that program

design element. Term sheets for all of Participant’s HAF programs may be uploaded together as one

document.

Title Upload Date

NJHMFA HAF Term Sheets Combined 8/19/2021 1:09 PM

NJHMFA Responses to Treasury HAF Questions 11/18/2021 4:43 PM

A HAF participant may elect to revise its HAF Plan over time to add or subtract program design elements.

Does the Participant anticipate adding additional program design elements to this HAF Plan within one year

of this submission?

Yes

Treasury has provided sample term sheets to assist HAF participants in developing their HAF plans.

Participants may use these sample term sheets, in whole or in part, as part of their submission. To the extent

the Participant intends to structure the program differently with respect to significant program terms

described in the Sample Term Sheets, Treasury will, in the course of its review of the HAF Plan, request a

justification for how the alternate approach will further the objectives of the HAF, including targeting and

prioritization requirements. In the chart below, the HAF Participant may provide a justification for significant

deviations from the terms described in the sample term sheets upon initial submittal. (optional for initial

submission)
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Program

Design

Element

Deviation

from

sample

terms

Justification

Mortgage

Reinstatement

Adjustment

to the loss

mitigation

coordination

language.

NJHMFA will encourage but not require the use of all other loss mitigation

options prior to use of HAF Funds. Requiring prior completion of the full

loss-mitigation process will make the program administration more

complicated and time consuming as it would require the servicer to work

through the full array of other options available before assistance can be

disbursed. This will lead to extra expenses and more homeowners falling

further into delinquency prior to accessing assistance. Feedback from the

large servicers via group calls organized by NCSHA is that trying to

coordinate the timing of HAF efforts with their loss mitigation for

hundreds of thousands of other borrowers will not yield positive outcomes

in a timely manner.

Mortgage

Payment

Assistance

Adjustment

to the loss

mitigation

coordination

language.

NJHMFA will encourage but not require the use of all other loss mitigation

options prior to use of HAF Funds. Requiring prior completion of the full

loss-mitigation process will make the program administration more

complicated and time consuming as it would require the servicer to work

through the full array of other options available before assistance can be

disbursed. This will lead to extra expenses and more homeowners falling

further into delinquency prior to accessing assistance. Feedback from the

large servicers via group calls organized by NCSHA is that trying to

coordinate the timing of HAF efforts with their loss mitigation for

hundreds of thousands of other borrowers will not yield positive outcomes

in a timely manner.

Documentation of Homeowner Income

Homeowners are eligible to receive amounts allocated to a HAF participant under the HAF only if they have

incomes equal to or less than 150% of the area median income or 100% of the median income for the United

States, whichever is greater. In addition, not less than 60% of amounts made available to each HAF

participant must be used for qualified expenses that assist homeowners having incomes equal to or less than

100% of the area median income or equal to or less than 100% of the median income for the United States,

whichever is greater. The HAF guidance describes permissible ways for HAF participants to determine

homeowner income.

Under the HAF guidance, one permissible approach for determining income is for (1) the household to

provide a written attestation as to household income and (2) the HAF participant to use a reasonable

fact-specific proxy for household income, such as reliance on data regarding average incomes in the

household’s geographic area. Will the Participant allow income to be determined in this way?

No

Under the HAF guidance, HAF participants may provide waivers or exceptions to this documentation

requirement as reasonably necessary to accommodate extenuating circumstances, such as disabilities,

practical challenges related to the pandemic, or a lack of technological access by homeowners; in these cases,

the HAF participant is still responsible for making the required determination regarding household income

and documenting that determination. Will the Participant allow applicants to request such waivers or

exceptions?
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Yes

Eligible Mortgage Types

Please indicate which of the following mortgage types are eligible to be assisted under one or more of the

Participant’s program design elements.

 First Mortgages 

 Reverse Mortgages (Home Equity Conversion Mortgages, Single-Purposes Reverse Mortgages, or

Proprietary Reverse Mortgages) 

 Contracts for Deed or Land Contract (if it is a credit transaction secured by a consensual security

interest in a dwelling) 

 Second Mortgages 

 Loans Secured by Manufactured Housing (secured by real estate or dwelling) 

If the Participant excludes any of the forgoing mortgage types from one or more program design elements,

explain the exclusion.

-Contracts for deed are not prevalent in NJ, per HUD and US Census Bureau data. Additionally,

these properties are not owner-occupied, as the seller maintains title until all payments are made.

This does not fit the nature of our program. 

-Second mortgages are excluded if in a second or other junior lien position. These junior liens do

not put the borrower in imminent danger of foreclosure due to the intervention of the primary

lien holder in cases where the second lien holder intends to initiate foreclosure proceedings. NJ is

focusing assistance on those in greatest danger of losing their home.

How Will the Participant Target HAF Resources Consistent with Statutory

Requirements? 

The Participant must describe how it will target HAF resources in accordance with the HAF guidance.

Targeting strategies are affirmative efforts to inform, encourage the participation of, and facilitate access to

resources for targeted households, including by offering multiple intake formats, engaging with nonprofit

organizations (e.g., housing counselors or legal services organizations) to provide additional pathways into

the program, and providing community outreach, partnerships with housing counseling agencies or legal aid

organizations, or other educational services that are aligned with the HAF participant’s program design, in a

manner that is culturally and linguistically relevant to the targeted communities.

Defining Socially Disadvantaged Individual

Please describe the process the Participant will use to determine whether a homeowner is a “socially

disadvantaged individual” as defined in the HAF guidance.

-NJHMFA will target advertising and outreach towards communities with socially

disadvantaged individuals in accordance with the definitions in the August 2, 2021, guidance. To

ensure representative participation, NJHMFA has developed a data-driven methodology that

indexes comparative need and representation. This allows the Agency to target and prioritize

marketing and specific outreach efforts towards communities that have a disproportionately
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higher representation of minority and low-income homeowners when compared to the rest of the

State’s homeowner population.

-Using application data, NJHMFA will track participation from historically marginalized

communities and those with limited English proficiency through self-attestation and

demographic data. Applicant addresses will also be cross-referenced with majority-minority

census tracts to align with Treasury guidance.

Public Communications

Will the Participant engage in a public communications campaign to raise awareness among targeted

populations about the availability of HAF resources, in media such as television, newspapers, online media,

or social media?

Yes

If yes, please indicate whether the public communications campaign will include communications that

primarily target the following populations:

 Homeowners earning less than 100% of area median income 

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land 

 homeowners in persistent poverty counties; 

 individual with limited English proficiency 

Please indicate in which languages, in addition to English, public communications to targeted populations

will be undertaken:

Spanish; Other

Please list any other languages.

Communications will be in primarily English and Spanish. But online material will be

translatable in Italian, Portuguese, Polish, Hindi, Gujarati, Chinese (including Cantonese and

Mandarin), Korean, Tagalog, and Arabic.

Outreach

Will the Participant engage in outreach through partnerships with organizations that focus primarily on

serving homeowners earning incomes below 100% of area median income or socially disadvantaged

individuals and that have the capacity to engage targeted communities in a culturally and linguistically

relevant manner to encourage the submission of applications for HAF resources from targeted populations?

Yes
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If yes, please indicate whether the community outreach efforts will include partnerships with organizations

that primarily target the following populations:

 member of a group that has been subjected to racial or ethnic prejudice or cultural bias within

American society; 

 resident of a majority-minority Census tract; (3) individual with limited English proficiency; 

 resident of a U.S. territory, Indian reservation, or Hawaiian Home Land;

 homeowners that reside in persistent poverty counties; 

 individual with limited English proficiency. 

Please list any other languages.

Communications will be in primarily English and Spanish. But online material will be

translatable in Italian, Portuguese, Polish, Hindi, Gujarati, Chinese (including Cantonese and

Mandarin), Korean, Tagalog, and Arabic.

Housing Counseling and Legal Services

Will the Participant facilitate access for eligible households to housing counseling or legal services?

Yes

If yes, please identify below the providers of housing counseling or legal services that have indicated to the

Participant that they are willing and able to support homeowners receiving assistance under the Participant’s

HAF programs. 

Provider Name 

Provider Address 

Provider Website

Provider

Primarily

Serves

LMI

Households

Provider

Addresses

Impact of

Housing

Discrimination

Affordable Housing Alliance

59 Broad Street , Eatontown, New Jersey 07724

https://housingall.org/

NJ Citizen Action

744 Broad St., Suite 2080 , Newark, New Jersey 07102

https://njcitizenaction.org/

Burlington County Community Action Program

One Van Sciver Parkway , Willingboro, New Jersey 08046

http://www.bccap.org/

Central Jersey Housing Resource Center

600 First Ave., Suite 3 , Raritan, New Jersey 08869

https://www.cjhrc.org/
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Consumer Credit and Budget Counseling

299 South Shore Rd., US Route 9 South, P.O. Box 866 , Marmora, New

Jersey 08223

https://cc-bc.com/

Clarifi

1608 Walnut Street , Philadelphia, Pennsylvania 19103

https://www.clarifi.org/

Epic, CDC

2707 Main St , Sayreville, New Jersey 08872

https://epiccdc.net/

Housing Partnership Morris County

2 East Blackwell St., Suite 12 , Dover, New Jersey 07801

https://www.housingpartnershipnj.org/

Isles, Inc.

10 Wood St , Trenton, New Jersey 08618

https://isles.org/

Puerto Rican Action Board

90 Jersey Ave , New Brunswick, New Jersey 08901

https://prab.org/

Navicore Solutions

225 Willowbrook Road , Freehold, New Jersey 07728

https://navicoresolutions.org/

Puerto Rican Association for Human Development, Inc.

100 First Street , Perth Amboy, New Jersey 08861

https://www.prahd.org/

Tri-City Peoples Corporation

675 South 19th Street , Newark, New Jersey 07103

http://www.tri-citypeoples.org/

Targeting specific groups of homeowners

Will the Participant conduct outreach specifically tailored to target potentially eligible households that:

 have mortgages or mortgage assistance contracts held or backed by the Participant? 

 have mortgages backed by any of the following agencies: Federal Housing Administration;

Department of Veterans Affairs; U.S. Department of Agriculture? 

 have privately held mortgages? 

What Efforts will be Made to Address Barriers to HAF Program Participation for

Potentially Eligible Homeowners, Including Those with Limited English

Proficiency or Who are Disabled?
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Targeted outreach may be needed to reach homeowners who are likely to experience barriers to access,

including persons with limited English proficiency and those with disabilities.

Indicate all of the languages, in addition to English, in which the Participant’s HAF application and other

program documents will be made available.

Other

Please list any other languages.

Intake system connects to Google Translate for translation into 100+ languages.

Will the Participant’s HAF applications and other program documents be provided in forms that are

accessible to persons with disabilities?

Yes
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Performance Goals

Treasury will consider the goals and benchmarks the Participant proposes to use to measure the effectiveness

of its programs, including whether those goals address the homeowner needs identified by the Participant, the

extent to which the goals are disaggregated by key homeowner characteristics as appropriate for the

jurisdiction, and whether they include a goal focused on reducing mortgage delinquency.

Please describe Participant’s goals and benchmarks for each of its programs with the following program

design elements.

Program

Design

Element

Metric of Success Goal

Mortgage

Reinstatement Number of mortgage reinstatements provided with

HAF Funds.

Provide 2,000 homeowners with

mortgage reinstatement within 24

months.

Payment

Assistance for

Delinquent

Property

Taxes

Number of non-mortgage housing delinquencies paid

off.

Prevent the replacement of 200

homeowners by paying off

qualified delinquent

non-mortgage housing expenses.

Other

measures to

prevent

homeowner

displacement

Number of households counseled using HAF

counseling initiatives.

Provide no-cost counseling

services to 7,500 homeowners

over the full course of the HAF

spending period.

Mortgage

Payment

Assistance

Number of households provided with future mortgage

payments.

Provide at least 500 homeowners

with mortgage payment

assistance.

Mortgage

Reinstatement

The percentage of assisted households that are below

100% of AMI, and for those households above 100%

of AMI, the percentage of assistance provided to

Socially Disadvantaged Individuals.

At least 60% of assistance

provided to households below

100% of AMI.

A majority of funds provided to

households over 100% AMI will

assist households who identify as

socially disadvantaged.
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Readiness

Staffing, Systems and Contractors 

Treasury seeks information regarding the Participant’s organizational capacity to implement its HAF Plan.

Does the Participant anticipate needing to hire additional staff to implement this HAF Plan?

Yes

Does the Participant anticipate significant information technology system upgrades to implement this HAF

Plan?

Yes

Does the Participant have policies or procedures that govern the implementation of each HAF program

design element described in this HAF Plan?

Yes

Will the Participant use HAF funds to assist eligible households through a program that was operational

before the Participant first received HAF funds?

No

Will the Participant use any third-party contractor or partner to conduct program administration (such as

reviewing applications, determining eligibility, processing payments, conducting reporting, and reviewing

compliance) for some or all of the Participant’s HAF programs?

Yes

If yes, has the Participant entered into all necessary arrangements with all of the third-party contractors or

partners that will conduct program administration?

No

Use of Initial Payment

If the Participant has already received any HAF funds from Treasury, provide the following information

about the use of such funds as of June 30, 2021.

What amount of the HAF funds that the Participant has received been disbursed to eligible homeowners?

$0.00

Has the Participant begun accepting applications from homeowners for any HAF-funded programs?
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No

How much of the HAF funds that the Participant has received been obligated?

$190,000.00

Provide a brief description of how the Participant has used the HAF funds it has received.

-NJHMFA will launch a pilot mortgage reinstatement and mortgage payment program, called

ERMA to assist eligible homeowners within NJHMFA’s loan portfolio. This pilot will efficiently

advance the guidance provided by Treasury on April 14, 2021, and again on August 2, 2021, to

prioritize assistance for FHA, VA, USDA, Mortgage Revenue Bond (MRB) loans, and First-Time

Homebuyers, as NJHMFA’s mortgage portfolio is entirely comprised of these loan categories.

Additionally, NJHMFA program income requirements mirror Treasury’s articulated

preferences, and there are higher levels of socially disadvantaged groups within our mortgage

population than in statewide mortgage rolls. NJHMFA will be able to deploy pilot funds quickly

because it is also the loan servicer. This will also facilitate review of the application and

processing structures to inform programmatic adjustments. NJHMFA will test outreach,

technology, and processes, improve data standardization and programmatic materials, and

otherwise refine the ERMA program before expanding to a wider applicant pool.

-NJHMFA will offer homeowner counseling during the pilot phase of ERMA using a network of

HUD certified Housing Counseling Agencies (HCAs) to provide homeowner support via

homeowner, credit, and pre-foreclosure counseling. NJHMFA will provide counselors with

ERMA application process training and guidance. 

-NJHMFA has contracted with HOTB Counselor Direct to build an application portal, system of

record, and loan processing application for NJHMFA and our HAF program partners. This

software will be used for the pilot and statewide ERMA.
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Budget

Budgeting of HAF Funds by Program Design Element 

Specify the amounts of HAF funds that the Participant proposes to allocate to each of the following program

design elements, if offered:

Measure Amount

Mortgage Payment Assistance $30,000,000.00

Mortgage Principal Reduction $0.00

Payment Assistance for Homeowner’s Internet Service $0.00

Payment Assistance for HOA fees or liens $0.00

Payment Assistance for Delinquent Property Taxes $5,000,000.00

Mortgage Reinstatement $224,070,982.00

Facilitate Mortgage Interest Rate Reduction $0.00

Payment Assistance for Homeowner’s Insurance $0.00

Payment Assistance for Down Payment Assist. Loans $0.00

Payment Assistance for Homeowners Utilities $0.00

Other measures to prevent homeowner displacement

Measure Amount

ERMA pilot use. $10,000,000.00

Displacement Prevention Sub-Total $269,070,982.00

Counseling or Legal Services

The Participant may allocate up to 5% of its HAF funds for counseling or educational efforts by housing

counseling agencies approved by the Department of Housing and Urban Development or a tribal government,

or legal services, target to households eligible to be served with funding from the HAF related to foreclosure

prevention or displacement.
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Specify the Participant’s allocations for the following Amount

Counseling or Educational Services $8,000,000.00

Legal Services $0.00

Services Sub-Total $8,000,000.00

Reimbursement of Funds Expended After January 21, 2020

As described in the HAF guidance, HAF funds may be used for reimbursement of certain expenses between

January 21, 2020 and the date when the first HAF funds are disbursed by the HAF participant under the HAF

for a qualified expense (with certain limitations, as set forth in the HAF guidance).

Type of Expense Amount

None. $0.00

Reimbursement Sub-Total $0.00

Allocation of Administrative Expenses

Type of Expense Amount

One-time/start-up expenses: initial planning personnel, equipment, technology, initial

marketing, website, contingency reserve. $2,559,668.00

Operating/administrative expenses: salaries, equipment, legal, compliance, audit,

monitoring and research, ongoing marketing and outreach, training, travel, contingency

reserve.

$23,230,291.00

Transaction related expenses: closings, recording, wire transfer, overnight mailers, lien

release $3,027,012.00

Contracted service providers: vendor loan review, notary and title services,

miscellaneous counseling-related expenses, and other professional services.

$20,077,908.00

Administrative Expenses Sub-Total $48,894,879.00

Total Plan Requested Amount $325,965,861.00

Amount Requested Confirmation:

Yes
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Contacts

Please identify up to three contacts for the Participant- a primary contact, a designated point of contact for

reporting, and an additional contact.

Primary Contact

Name: Katone Glover

Agency/Office: New Jersey Housing and Mortgage Finance Agency

Email: kglover@njhmfa.gov

Phone Number: 6092787380

Reporting Contact

Name: James Abrams

Agency/Office: New Jersey Housing and Mortgage Finance Agency

Email: jabrams@njhmfa.gov

Phone Number: 6092787422

Additional Contact

Name: Jordan Moskowitz

Agency/Office: New Jersey Housing and Mortgage Finance Agency

Email: jmoskowitz@njhmfa.gov

Phone Number: 6092787446

Proprietary or Otherwise Non-Public Information

Does your plan submission include any information or materials that are proprietary or otherwise non-public?

Yes

If "Yes," please indicate which information or materials are proprietary or otherwise non-public.

Although nothing here is proprietary, until final approval is received from Treasury and the

NJHMFA board adopts the approved version of the plan, New Jersey OPRA statute would

consider this a pre-decisional, non-public document.
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Title VI Assurances

You must provide on behalf of the HAF Participant assurances that the HAF Participant will comply with

Title VI of Civil Rights Act of 1964. Please download the assurances, then review, sign, and upload the

signed copy to this page before submitting the HAF Plan.

Title Upload Date

6. HAF-Title VI Assurance (5-18-2021) (Executed)-signed 8/19/2021 2:02 PM

Assurances of Compliance with Civil Rights Requirements 11/19/2021 9:20 AM
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Official Certification

I (the undersigned) certify that the information provided in the HAF submission is accurate and complete

after reasonable inquiry of people, systems, and other information available to the HAF Participant. The HAF

participant and I acknowledge that any materially false, fictitious, or fraudulent statement or representation

(or concealment or omission of material fact) in this submission may be the subject of criminal prosecution

under the False Statements Accountability Act of 1996, as amended, 18 U.S.C. § 1001 and also may subject

me and HAF Participant to civil penalties and/or administrative remedies for false claims or otherwise,

(including 31 U.S.C. §3729 et seq.). I am an authorized representative of HAF Participant with authority to

make the above certifications and representations on behalf of the HAF Participant.

Name of HAF Participant:

New Jersey Department of Community Affairs

Name and Title of Certifying Official

Name: Walter K. Brown

Title: Chief Financial Officer

Telephone: 6092926420

Email: walter.brown@dca.nj.gov