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Sandy Recovery Housing Counseling Program

This program offers free HUD-certified housing counseling services to renters and homeowners who were impacted by Superstorm Sandy and lived in one of the nine counties most impacted by the storm at the time of Sandy. Offices are located in Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and Union counties and provide counseling programs that address a wide range of financial and housing challenges.

How Does Housing Counseling Work?

Housing counselors provide helpful information about programs and resources that are available to renters and homeowners who are still recovering from Superstorm Sandy. As part of the counseling process, counselors will ask questions and collect specific information from clients to develop a customized counseling plan specific to the needs of the renter or homeowner. The counseling plan may include individualized or group counseling services in the following areas:

  • Foreclosure Prevention
  • Homelessness Prevention
  • Fair Housing Education
  • Reverse Mortgage/Home Equity Conversion Mortgage
  • Rental Counseling
  • Pre/Post Home Purchase Counseling

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.

As part of the counseling plan, counselors will schedule regular meetings, share information about upcoming events or information sessions, and provide supportive services to eligible program applicants.

Who Is Eligible for Housing Counseling?

To be eligible for free counseling services, renters and homeowners must have been impacted by Sandy, lived in one of the nine counties most affected by the storm at the time of Sandy (Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and Union).

Where Can I Find a Housing Counselor?

Addresses for the housing counseling agencies’ main offices are listed below by county:

County Agency Telephone Number Hours of Operation
Atlantic Consumer Credit and Budget Counseling
299 South Shore Rd.
Marmora, NJ 08223
609-390-9652 9:30-5:30
Bergen Greater Bergen Community Action
316 State Street
Hackensack, NJ
201-374-8838 9:00-5:00 Evening Hours available by appointment
Cape May Consumer Credit and Budget Counseling
299 South Shore Rd.
Marmora, NJ 08223
609-390-9652 9:30 – 5:30
Essex Catholic Charities of Newark
481 Sanford Avenue
Newark, NJ 07106
862-229-4464 8:30- 4:30
Hudson Catholic Charities of Newark
2201 Bergenline Ave.
Union City, NJ 07087
973-424-7616 8:30 – 4:30
Middlesex Puerto Rican Action Board, in partnership with Consumer Credit and Budget Counseling
90 Jersey Ave.
New Brunswick, NJ 08901
732-249-9700 9:00 – 5:00
Monmouth Affordable Housing Alliance
171 First Avenue
Atlantic Highlands, NJ 07716
(732) 982-5072 8:00-5:00 (M, W, F)
8:00-7:00 (T, Th)
Ocean O.C.E.A.N., Inc.
S&F Plaza
2008 Rt. 37 East, Suite 12
Toms River, NJ 08753
(732) 288-2614 8:30 – 4:30
(M, T, Th, F)
8:30 – 8:00 (W)
Union Catholic Charities of Newark
505 South Avenue
East Cranford, NJ 07016
862-229-4468 8:30 – 4:30

Addresses, phone numbers and hours of operation for all participating housing counseling offices are listed below by housing counseling agency:

 
Greater Bergen Community Action

Serving – Bergen County

  Location Phone Number Hours of Operation
Primary Telephone Number: 201-374-8838
Main location:
316 State Street
Hackensack, NJ
201-374-8838 M – F: 9am – 5pm Evening hours available by appointment.
Satellite Site:
529 Midland Avenue
Garfield, NJ
By Appointment
Satellite Site:
221 Moonachie Road
Moonachie, NJ
By Appointment

Consumer Credit and Budget Counseling

Serving – Atlantic and Cape May Counties

  Location Phone Number Hours of Operation
Primary Telephone Number: 609-390-9652
Main Location:
299 South Shore Rd
Marmora NJ, 08223
609-390-9652 M-F 9:30 am – 5:30 pm

Puerto Rican Action Board (in partnership with Consumer Credit and Budget Counseling)

Serving – Middlesex County

  Location Phone Number Hours of Operation
Primary Telephone Number: 732-249-9700
Main Location:
90 Jersey Avenue
New Brunswick, NJ 08901 (Middlesex)
732-249-9700 M-F 9:00 am – 5:00 pm
Satellite Location:
313 State Street, Suite 301
Perth Amboy, NJ 08861 (Middlesex)
By appointment
Satellite Location:
100 Cooke Ave
Carteret, NJ 07008 (Middlesex)
By appointment

Affordable Housing Alliance

Serving – Monmouth County

  Location Phone Number Hours of Operation
Primary Telephone Number: (732) 982-5072 8am-5pm (Mon, Wed, Fri) 8am-7pm (Tues, Thurs)
Main Location:
171 1st Avenue
Atlantic Highlands NJ 07716
(732) 982-5072 8am-5pm (Mon, Wed, Fri) 8am-7pm (Tues, Thurs)
Satellite Location:
59 Broad Street
Eatontown NJ 07724
(732) 982-5072 By Appointment Only As Needed (9am-5pm)
Satellite Location:
20 Gibson Place
Freehold NJ 07728
(732) 982-5072 By Appointment Only As Needed (9am-5pm)
Mobile Counseling Unit with locations determined by clients/resident locales Various Locations in Ocean and Monmouth counties (see calendar at www.housingall.org) As Scheduled (9am-5pm) Some Weekends

O.C.E.A.N., Inc.

Serving – Ocean County

  Location Phone Number Hours of Operation
Primary Telephone Number: (732) 288-2614
S&F Plaza
2008 Rt. 37 East, Suite 12
Toms River, NJ 08753
(732) 288-2614 8:30 – 4:30 (Mon, Tues, Thur, Fri) 8:30 – 8:00 (Wed)

Catholic Charities of Newark

Serving – Essex, Hudson and Union Counties

  Location Phone Number Hours of Operation
Primary Telephone Number: 973-902-2199
Main Location (Essex):
481 Sanford Avenue
Newark, NJ 07106
862-229-4464 8:30am-4:30pm
Main Location (Hudson):
2201 Bergenline Avenue
Union City, NJ 07087 (Hudson)
973-424-7616 8:30am-4:30pm
Main Location (Union):
505 South Avenue East
Cranford, NJ 07016 (Union)
862-229-4468 8:30am-4:30pm