The Sandy Recovery Housing Counseling Program provides free housing guidance to renters and homeowners who were impacted by the storm and lived in one of the nine counties the federal government determined were most affected by Sandy. Registration with FEMA is not required to receive assistance through this program.

Call a Certified Housing Counselor today at:
888-738-8233

Reduce your total credit card payments by up to 30% to 50%

For Priority Service call 844-900-0637

  • 1 Your Credit Card Bills are rolled into one monthly payment
  • 2 Reduce your interest rates and stop late fees
  • 3 Rebuild your Credit

Sandy Impacted Counties

Did you live in the 9 affected counties during Super Storm Sandy?
If so there are a number of FREE services you qualify for and grants to help you with your mortgage

This program offers free HUD-certified housing counseling services to renters and homeowners who were impacted by SuperStorm Sandy and lived in one of the nine counties most impacted by the storm at the time of Sandy. Offices are located in Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and Union counties and provide counseling programs that address a wide range of financial and housing challenges.

Mortgage Delinquency and Foreclosure Prevention Counseling & GRANTS

Is you house "underwater"? (worth less than what you owe)
Did you loose work or hours because of Sandy?
Did you get laid off or collect unemployment?
Has your income been reduced?
Are you having trouble making your mort age payment?

There are grants and programs available to you that can:
- Reduce your mortgage payment!
- Have principal reduced by up to $50,000!
- Eliminate your delinquency!
- Bring you current!
- Eliminate mortgage payments for 6 months!
- Pay your mortgage for up to 18 months!
- Reduce your interest rate!

Call a Certified Housing Counselor today at:
888-738-8233

Housing Counseling Intake Documents

HomeSaver Application Documents

Grants Available

Available Housing Counseling Services Provided through the Program at no cost*

Pre-Purchase Counseling and Education
Online Pre-Purchase Homebuyer Education
Mortgage Delinquency/Default Counseling
Credit Counseling
Budget Counseling
Credit Report Counseling
Reverse Mortgage Counseling
Rental Housing Counseling
High Cost Loan/HOEPA Counseling
Back To Work HomeBuyer Program

* To be eligible for free counseling services, renters and homeowners must have been impacted by Sandy, lived in one of the nine counties most affected by the storm at the time of Sandy (Atlantic, Bergen, Cape May, Essex, Hudson, Middlesex, Monmouth, Ocean, and Union)

Housing Counseling offices by county:

For Sandy program issues call your local agency:

County Agency Phone
Atlantic Consumer Credit and Budget Counseling 609-390-9652
Bergen Greater Bergen Community Action 201-374-8838
Cape May Consumer Credit and Budget Counseling 609-390-9652
Essex Catholic Charities of Newark 862-229-4464
Hudson Catholic Charities of Newark 973-424-7616
Middlesex Faith Fellowship CDC in partnership with Consumer Credit and Budget Counseling 732-727-9500
Monmouth Affordable Housing Alliance 732-982-5072
Ocean O.C.E.A.N., Inc. 732-288-2614
Union Catholic Charities of Newark 862-229-4468