Housing Stability

The Housing Stability department provides assistance to renters and homeowners seeking to stabilize their housing conditions.

Have a question? We can be reached by calling (732) 389-2958.

Counseling and Education

Housing Counseling and Homeowner Assistance Provided By The AHA Include:

Financial Capabilities Counseling: Financial capabilities counseling provides comprehensive resources including financial coaching and money management education aimed at assisting Monmouth and Ocean County residents move from financial difficulty to economic well-being.
Housing Counseling: The AHA assists first-time homebuyers in determining their mortgage readiness and understanding the process, foreclosure intervention, reverse mortgage counseling, and assisting seniors age-in-place through utilizing the equity in their home all through available 1-on-1 counseling sessions either in-person or virtual.
Housing Education: The options are Pre-Purchase Homebuyer and Post-Homeowner workshops. The Affordable Housing Alliance (AHA) and eHome America’s Housing Education courses are designed to help you understand the home-buying process, and what happens after you move into your new home. Learn about the steps in purchasing a home, obtaining mortgage financing and down payment assistance, planning for your new home, any new home expenses, expected maintenance costs, tax benefits, and when and who to contact if financial hardship happens unexpectedly.
Homeowner Rehabilitation: To assist municipalities with satisfying their COAH obligations, the AHA administers home rehabilitation assistance in some communities that will help income-qualified households make their homes safer and more energy-efficient.

Click HERE To Complete An Intake Form For One Of The Services Listed Above!

Mortgage and Rental Arrears

We are currently pausing accepting new applications at this time. We apologize for any inconvenience this may cause and appreciate your understanding as we work through processing applications that have already been received. Please stay tuned for updates on when we will resume accepting applications. Thank you for your patience and continued support.

*Please read criteria before applying*

Rental Arrears

You must be a current resident at the dwelling you are seeking assistance for
If you have received assistance from us in the last 12 months – Not Eligible
If you do not have a source of income – Not Eligible
If you owe over $6,000 – Not Eligible.
- Unless you can provide verified funding to make up the difference
You will be required to participate in housing counseling to determine sustainability
Failure to respond to inquiries within 3 business days will result in a rejected application
- Client may re-apply the next month for assistance

Mortgage Arrears

You can provide copies of your current Mortgage Statement
Your name must be on the mortgage
If you are currently in foreclosure – Not Eligible
You must be a current resident at the dwelling you are seeking assistance for
If you have received assistance from us in the last 12 months – Not Eligible
If you do not have a source of income – Not Eligible
If you owe over $6,000 – Not Eligible
- Unless you can provide verified funding to make up the difference
You will be required to participate in housing counseling to determine sustainability
Failure to respond to inquiries within 3 business days will result in a rejected application
- Client may re-apply the next month for assistance

Security Deposit & First Month Rent

You must already have the rental property secured
If you have received assistance from us in the last 12 months – Not Eligible
If you do not have a source of income – Not Eligible
If your request for assistance exceeds $6,000 – Not Eligible
- Unless you can provide verified funding to make up the difference
Failure to respond to inquiries within 3 business days will result in a rejected application
- Client may re-apply the next month for assistance

Housing Stability Services

The Housing Stability Program provides financial counseling, landlord-tenant mediation, foreclosure counseling, and linked arrears assistance for renters and homeowners seeking to stabilize their housing conditions. These can include such programs and resources as:

Ocean County Coordinated Entry & Rehousing Services:

Provides short-term, future rental assistance and bundled services to help people experiencing homelessness obtain housing quickly, increase self-sufficiency, and stay housed, without preconditions.
Programs that are designed to assess and refer individuals experiencing homelessness. Available to eligible Ocean County residents.
Need assistance? Call: 732-341-2272
Visit our office at: 405 Washington Street, Toms River, NJ 08753

Emergency Services:

Provides up to thirty days of temporary housing, nutritious meals, advocacy, stabilization, and supportive services for those individuals experiencing homelessness.

Transportation Services:

Provides access to taxi vouchers for employment, medical, educational, and other essential needs to eligible participants. Available to eligible Monmouth County residents.

Youth Services:

Programs designed to improve the academic performance of enrolled students through scholarships for tutoring, mentoring programs, and scholarships for full-day summer programs. Available to eligible Monmouth County residents.

Click On The Title Of A Service Listed Above To Complete An Intake Form!

Notify Me Of Housing Opportunities

- - The AHA is not accepting housing applications at this time. If you would like to receive e-mail notifications regarding housing opportunities and resources, using the link below, select ‘Please add me to a list to be notified of future locations’ when prompted on the intake.
  - In addition to the notifications, you will also receive a list of resources via e-mail upon completion of the form to assist with your housing search.