A HUD Certified Housing Counseling Agency, The Housing Coalition of Central Jersey provides a wide range of programs to assist Middlesex County residents with housing services. Residents receive the following types of housing counseling and education.
PRAB’s Housing Coalition of Central Jersey provides individual counseling to first time homebuyers. The staff works in partnership with a local lender to implement the First Home Club which provides low–and moderate–income households with the opportunity to save towards down payment and closing costs. The Housing Coalition of Central New Jersey also provides counseling for the American Dream Down Payment Initiative (ADDI) program funded by the Middlesex County Department of Housing and Community Development. ADDI provides down payment assistance and closing costs to first time homebuyers who purchase homes in twenty–three Middlesex County communities.
Mortgage Assistance, Delinquency, Default, Foreclosure Mediation and Loss Mitigation Counseling
Homeowners faced with mortgage delinquency and default receive individual counseling from PRAB’s Counselors to determine the reasons for delinquency and explore options to avoid foreclosure. Options include but are not limited to: mortgage modification, mortgage assistance programs and preservation of assets.
Information to landlords and tenants on rights and responsibilities under state and local laws, regulations and ordinances. PRAB’s Housing Coalition of Central Jersey provides a ready resource for those who are summoned to court as well as those who want to resolve issues seeking state, county, or local intervention.
Fair Housing Counseling
PRAB’s Housing Coalition of Central Jersey staff assists victims of discrimination by investigating complaints, advocating where appropriate, preparing cases, and filing with the U.S. Department of Housing and Urban Development (HUD), New Jersey Division of Civil Rights, or private attorneys.
Case Management/Permanent Housing Counseling
Counselors assist those who are not permanently housed (homeless), housed in substandard conditions, or at risk of losing housing through eviction or foreclosure. These households receive intensive counseling to consider options, assistance with the completion of applications for subsidized housing and guidance with locating financial resources for rent, security and utility deposits as needed.
Please contact PRAB Headquarters at (732) 828-4510 for details about programs.
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