• January 11, 2024

    Emergency Rescue Mortgage Assistance Program (ERMA)

    Did you know there is a program in New Jersey that provides owners with financial assistance on various household expenses, including association fees? A number of delinquent owners have relied upon the Emergency Rescue Mortgage Assistance (ERMA) program to have their delinquent association accounts paid in full.

    Associations may wish to provide its residents with the below information as well as the link for the online application: 

    Housing counselors are available to assist with applications.

    Emergency Rescue Mortgage Assistance (ERMA)

    •  Up to $75,000 per household for expenses which may include:
                • Mortgage reinstatement
                • Escrow shortages
                • Delinquent property taxes and HOA dues/fees
                • Municipal or property tax liens
                • Mortgage payments, including principal, interest, taxes, and homeowner’s insurance

    • To qualify for assistance, a homeowner must:
                • Own and occupy an eligible one- to four- unit primary residence
    • Have experienced a COVID-19 related financial hardship, and have been unable
                • to remain current on mortgage payments
                • Meet household income limits


    Jennifer Webb, Esq
    Office: (856)-616-8080