Emergency Rescue Mortgage Assistance Program (ERMA)

The Emergency Rescue Mortgage Assistance Program (ERMA), financed by the Homeowner Assistance Fund (HAF) will launch on Tuesday, February 8, 2022. The program provides up to $35,000 in assistance to cover mortgage arrearages and other housing cost delinquencies for eligible homeowners negatively impacted by the COVID-19 pandemic.

To qualify for the ERMA program, homeowners must meet the following requirements:

  • Be a New Jersey homeowner with a demonstrated COVID-19 related financial hardship occurring after January 20, 2020
  • Own and occupy an eligible primary residence
  • Have an income at or below 150% of their county’s Area Median Income (AMI)


For more information, please contact the JFS Resource Center at 973-777-7638 x614 or send us a message:


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