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
HUD Certified Housing Counseling and Homeowner Services Provided By The AHA Include:
Financial Capabilities Counseling:
- Financial capabilities counseling provides financial coaching to assist with improving credit scores, developing realistic spending plans and how to effective use a budget, trimming expenses, strategies to increase savings and money management education aimed at assisting Monmouth residents move from financial difficulty to economic well-being. Learn More
For Immediate assistance please contact a Program Navigator at our main office (732) 389-2958.
Foreclosure Intervention Counseling:
- The AHA assists homeowners with reviewing their finances to see if they are able to afford their current mortgage obligations, assist with applying for loan modifications with lenders and provide other helpful resources to avoid foreclosure. Counseling sessions are available 1-on-1 counseling sessions either in-person or virtual. Learn More
Homebuyer Counseling & Education:
- The AHA assists first-time homebuyers in determining their mortgage readiness and understanding the process, reverse mortgage counseling to assist seniors with aging-in-place through utilizing the equity in their home all through available 1-on-1 counseling sessions either in-person or virtual. Through a platform partnership AHA is able to provide housing education courses powered by eHome America’s Housing Education courses. These courses are designed to help you understand the home-buying process, and what happens after you move into your home. Learn about the steps to become a homeowner, obtaining mortgage financing and down payment assistance, budget planning for your home, any new expenses, expected maintenance costs, tax benefits, and when and who to contact if financial hardship happens unexpectedly. Learn More
*Please Note: If the application link for a program is not active, it means the program is currently on pause while we work through existing requests. Please check back soon for updates. In the meantime, here are other NJ HUD certified agencies listed by county
Reverse Mortgage Counseling (HECM):
- If you are a homeowner age 62 or older and have paid off your mortgage or paid down a considerable amount, and are currently living in the home, you might qualify for a reverse mortgage program that enables you to withdraw a portion of your home’s equity. Reverse mortgage counseling assists seniors with aging-in-place through utilizing the equity in their home all through available 1-on-1 counseling sessions either in-person or virtual. To learn more, please contact Lydia Chomenko at (732)389-2958 ext. 4349 or by email to lchomenko@housingall.org.
Mortgage & Rental Arrears and Security Deposits
Applications for mortgage & rental arrears and security deposit assistance open and close periodically based on the number of applications received at any given time period.
You MUST be a current Monmouth County resident and earn less than 200% of the Federal Poverty Income Guidelines (click here for guidelines). Kindly review the additional eligibility requirements mentioned below, if you feel you meet all requirements, click on the application link below. If your application is approved, the assistance payment will be provided directly to your landlord, property management, or mortgage/loan company
CAP Arrear Assistance programs
Rental Arrears
Click Here for a Full Program Overview
What’s Covered
- Past-due rent payments only
- Traditional apartment or house rent
- Lot rent for tiny homes, mobile homes, or trailer parks
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Eligibility Requirements
You must meet ALL of the following:
- Current Monmouth County resident at the dwelling seeking assistance for
- Household income less than 200% of the Federal Poverty Guidelines
- Able to provide all requested documentation by the due date
- Able to demonstrate budgetary sustainability to our financial counselor
- Able to demonstrate a financial hardship
- Household must have a source of income
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Who Is NOT Eligible
You cannot receive assistance if:
- You’ve received AHA assistance within the last 2 years (24 months)
- You owe more than $4,500, unless you provide verified funding for the difference
________________________________________
Award Amount
Maximum: $4,500 per household every 2 years
If you owe more than $4,500:
- You must secure verified funding from another source to cover the difference
- You must provide proof of payment for the difference before approval
- Full balance must be paid to prevent eviction
*Please Note: If the application link for a program is not active, it means the program is currently on pause while we work through existing requests. Please check back soon for updates.
Mortgage, HOA & Property Tax Arrears
Click Here for a Full Program Overview
What’s Covered
- Past-due mortgage payments
- Past-due HOA (homeowner’s association) fees
- Past-due property tax payments
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Eligibility Requirements
You must meet ALL of the following:
- Current resident of Monmouth County
- Live at the property you’re seeking assistance for
- Household income less than 200% of the Federal Poverty Guidelines
- Your name is on the mortgage, HOA agreement, or property tax bill
- Able to provide current mortgage/HOA/property tax statement
- Able to provide all requested documentation by the due date
- Able to demonstrate a financial hardship
- Able to demonstrate budgetary sustainability to our financial counselor
________________________________________
Who Is NOT Eligible
You cannot receive assistance if:
- You are currently in foreclosure (consider our Foreclosure Prevention Counseling instead)
- Your household does not have a source of income
- You’ve received AHA assistance within the last 2 years (24 months)
- You owe more than $6,000, unless you provide verified funding for the difference
________________________________________
Award Amount
Maximum: $6,000 per household every 2 years
If you owe more than $6,000:
- You must secure verified funding from another source to cover the difference
- You must provide proof of this funding before approval
*Please Note: If the application link for a program is not active, it means the program is currently on pause while we work through existing requests. Please check back soon for updates.
Security Deposit & First Month Rent
Click Here for a Full Program Overview
What’s Covered
- Security deposit payments
- Both security deposit and first month’s rent (combined, up to maximum)
________________________________________
Eligibility Requirements
You must meet ALL of the following:
- Moving into a Monmouth County address
- Already have the rental property secured (lease signed or approved)
- Household income less than 200% of the Federal Poverty Guidelines
- Able to provide all requested documentation by the due date
________________________________________
Who Is NOT Eligible
You cannot receive assistance if:
- You’ve received AHA assistance within the last 2 years (24 months)
- You need more than $6,000, unless you provide verified funding for the difference
________________________________________
Award Amount
Maximum: $6,000 per household every 2 years
If you need more than $6,000:
- You must secure verified funding from another source to cover the difference
- You must provide proof of this funding before approval
*Please Note: If the application link for a program is not active, it means the program is currently on pause while we work through existing requests. Please check back soon for updates.
Transportation & Youth Services
Transportation Assistance:
The AHA provides the following two transportation options to eligible Monmouth County residents to help with essential travel needs:
EZ Ride Ridesharing
Through our partnership with EZ Ride, eligible clients can schedule rides for:
- Work or job training
- School or educational programs
- Medical appointments, medication pick-up, or other essential medical needs
- Grocery shopping, food banks, or essential food-related destinations
Rides must be scheduled in advance and are subject to availability.
Please note: If the link above is not clickable, the Transportation Assistance Program is temporarily closed and not accepting new applications at this time. Please check back soon for updates.
Now Offering: NJ TRANSIT Bus & Light Rail Passes
Eligible clients can receive NJ TRANSIT bus and light rail passes to assist with:
- Work or job training
- School or educational programs
- Medical appointments, medication pick-up, or other essential medical needs
- Grocery shopping, food banks, or essential food-related destinations
Why NJ TRANSIT might work for you:
- Passes can be used on both buses and light rail
- One-way tickets are valid for 2 years from the date of purchase
Please note: If the link above is not clickable, the Transportation Assistance Program is temporarily closed and not accepting new applications at this time. Please check back soon for updates.
Youth Services:
- Summer camp placement is limited and only available for ages 6-12. Summer camp placement requires a referral from the camp. For Monmouth/Ocean County Police Athletic League, contact 732-455-3325 or info@monocpal.org. For YMCA Summer Camp, contact 732-836-9177 ext. 815 or summerfun@ymcanj.org.
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.
