The AHA serves clients who are seeking assistance in obtaining a workout solution with their current mortgage holder in order to reduce monthly mortgage payments. The AHA prioritizes client intervention based on where clients are in the foreclosure process. If you are facing an imminent foreclosure emergency, call the Affordable Housing Alliance at 732-389-2958.

For assistance, please:

  1. Click here to complete and submit the online Foreclosure Intake Form.
  2. You may download a foreclosure intervention packet to review the documentation you will be asked to provide by clicking here, but do not complete or submit the application until you are contacted by an AHA foreclosure counselor.
  3. Click here for an explanation of these required documents.
  4. Once your Intake Form has been submitted and reviewed, you will be contacted by an AHA foreclosure counseling support staff for a 30-minute pre-counseling session, after which your one-on-one appointment with an AHA foreclosure counselor will be scheduled.
  5. After you have been contacted by an AHA foreclosure counselor, you will be asked to return a completed application and copies of the requested documents to the Affordable Housing Alliance, 3535 RT 66 Parkway 100 Complex, Building 4, Neptune, NJ 07753 by mail or in person. If originals are provided, they will not be returned.
  6. The AHA will review your application to ensure complete and appropriate documentation. You will receive a missing document notice if any necessary documentation is missing. You will have two weeks to submit missing documentation.

According to the U.S. Department of Housing and Urban Development (HUD), a reverse mortgage is a special type of home loan that allows homeowners over the age of 62 to convert a portion of the equity in their home into cash. The equity that has been built up over years of making mortgage payments can be paid to the homeowner. Reverse mortgage counseling is required by all lenders. Certified counselors will educate interested homeowners about a reverse mortgage, discussing the pros and cons of taking one as well as the costs involved and other alternatives.

  1. To get started, you must complete an intake. You may complete an online intake by clicking here. Alternatively, you can call our office to complete an intake at 732-389-2958.
  2. You may download the reverse mortgage counseling packet by clicking here. Please submit the counseling packet via mail or fax. We will contact you after receiving your counseling packet in order to schedule a counseling session.

Mailing Address:

3535 Route 66
Parkway 100
Building 4
Neptune Township, NJ 07753
Phone Number: 732-389-2958

Fax Number: 732-922-4100



Who is eligible? – Homeowners over the age of 62 who are willing to use their primary residence as collateral. Applicants should have no delinquencies on any federal debt. Property needs to appraise for more than the unpaid principal balance if there is an existing mortgage.

How much can a homeowner receive? – This varies by loan. Some of the contributing factors include the current interest rate, the age of the homeowners, and the value of the property.

Is there a fee for counseling services? – The Affordable Housing Alliance charges $200 for reverse mortgage counseling, but this can be waived depending on the homeowner’s financial situation and available grant funding.

The Homeowner Workshop provides current homeowners with education and tools needed to be successful. The workshop provides information on managing and budgeting money, preventative home maintenance, loss mitigation options and the foreclosure process. We recommend that all homebuyers also attend a free Post-Purchase Homebuyers Workshop once they have achieved the goal of homeownership. Participants will learn more about mortgage financing, asset building, maintaining good credit and preventive maintenance of your home to ensure its value. Click here to register. Click here for Post-Purchase Workshop dates.

In an effort 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.  The purpose of the program is to bring substandard housing up to code. Substandard units are those units requiring repair or replacement of at least one major system.

We are currently offering our Housing Rehabilitation Program in the following municipalities: Neptune Township, Millstone Township, and Manalapan Township.
We also offer housing rehabilitation in Ocean County under two separate programs:
  • The CDBG Program is available to residents of all municipalities located in Ocean County with the exception of Brick, Jackson, Lakewood, and Toms River Townships.
  • The HOME Program is available to residents of all thirty-three (33) municipalities located in Ocean County. Brick, Jackson, Lakewood, and Toms River Township residents are eligible for participation in the HOME Program by referral from their respective municipal HOME liaison.”

Please complete and submit the initial online Intake Form, and select “Rehabilitation Program” in the “Reason for Contact” menu box.

The Financial Literacy Training provides five in-depth classes on Basic Banking, Credit, Budgeting, Identity Theft and Understanding Insurance. Basic Banking provides information on accounts available and the benefits of these accounts. Credit is an in-depth look into what credit is, how to attain good credit and how to fix credit. Budgeting provides resourceful information on budgeting tools for the client as well as the household. Identity Theft illustrates the importance of keeping track of finances, what to do when you are a victim of identity theft and the different ways identity theft occurs. Understanding Insurance provides information on different insurances available to homeowners, what to look for when shopping for insurance and the importance of insurance. Click here to register.

The home buyer workshop provides first hand information from housing professionals. Participants will be provided with information on steps in the home buying process, access to their home buying team and information on programs available to them, such as loan products and grant programs. Click here to register.

To attend a Home Buyer’s Educational Workshop you must be creditworthy and ready to move forward with the purchase of a home within 60 to 90 days of completing this workshop. The AHA strongly recommends that you meet with a housing counselor in advance of registering for a workshop if you are unsure of your mortgage readiness. However, if you are sure of your status, please:

  1. Click here for an initial online Intake Form. Please complete and submit the Intake Form.
  2. Click here to register.
  3. Price is $125 per person and $150 for couples. The fee includes the workshop and materials used during the workshop, a tri-merged credit report, lunch and a one-on-one counseling session. After the participant closes on their home and provides copies of their closing documents, the AHA will refund $50 back to them.

Mortgage Default, Loan Modification and Loan Scam Alert workshops provide homeowners with the knowledge to protect themselves against loan modification scams.

Topics include:

  • How to spot a scam and how to prevent becoming a victim.
  • Options for struggling homeowners including how to apply for a modification and what to do if a modification is denied.
  • Information on the foreclosure process in New Jersey and available options for residents affected by Super Storm Sandy.

You can find out about upcoming workshops by subscribing to our newsletter or register online.