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LMI Homeowners Rebuilding Program

As of March 21, 2015, the LMI Program is no longer accepting applications.

Low-to-Moderate Income (“LMI”) Program Policies and Procedures
LMI Homeowners Rebuilding (LMI) Program Summary Guidelines
Manufactured Housing Unit (“MHU”) Policies and Procedures Governing the Reconstruction, Rehabilitation, Elevation and Mitigation (“RREM”) Program and Low-to-Moderate Income (“LMI”) Homeowner Rebuilding Program
LMI Reinstatement Request Worksheet

Program Eligibility Requirements:

  • Homeowner must have registered with FEMA.
  • Homeowner must have owned and occupied the damaged home at the time of the storm.
  • The damaged home must have served as the homeowner’s primary residence.
  • The damaged home must be located in one of the nine most impacted counties of Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, or Union.
  • The damaged home must have sustained Sandy-related damage of at least $8,000 or had more than one (1) foot of water on the first floor.
  • Homeowner who received federal disaster recovery assistance for a previous federally declared flood disaster by law must have continuously maintained flood insurance since receiving the federal disaster recovery assistance.
  • Homeowner must qualify as low- to moderate-income based on their household adjusted gross annual income at the time they submit an application. Adherence to income limits is required for eligibility for the duration of the program. The link below provides the income limits that apply to the program:  LMI Income Limits as of April 2017

The Low-to-Moderate Income Homeowners Rebuilding Program is funded with $50 million in U.S. Department of Housing and Urban Development Community Development Block Grant-Disaster Recovery funds. A portion of the $50 million is set aside for substantially damaged manufactured homes. Homes that were substantially damaged by Sandy – the damage was more than 50 percent of the pre-storm value of the home – are given priority.

Sandy Recovery Housing Counseling

Free HUD-certified housing counseling services that address a wide range of financial and housing issues are available to homeowners and renters who were impacted by Superstorm Sandy and lived in one of the nine counties most impacted by the storm at the time of Sandy. For more information about these free services, please visit Sandy Recovery Housing Counseling Program. Housing Counseling Program. Housing counselors can also help renters and homeowners complete and submit applications to State-funded recovery programs and services, answer questions about the application process and obligations for program participation, and refer clients to other applicable State-funded recovery resources for which they may be eligible. Additional language translation services are available. These language translation services are available free of charge.