One-on-One Counseling Services

Free Professional Assistance

CJHRC’s staff, most of them certified housing counselors, assist clients with housing hurdles. The Housing Resource Center assists clients through one-on-one in person counseling each year. We provide housing counseling or assistance to anyone who contacts us regardless of where they live or their income level. We charge no fees for our services. We provide individual pre-purchase, post-purchase, pre-rental, post-rental, delinquency and foreclosure counseling. We help people who are homeless or worried that they may become homeless. Our counselors work with older adults who are looking for age restricted housing or housing that meets their current or future needs.

Anyone requiring help is urged to make an appointment to come and meet with their assigned housing counselor.

If you need help and have mobility impairments or a language barrier, please advise at the time you contact us so we can try to accomodate you. 

Appointments are given between the hours of 9:00 AM – 3:30 PM, Monday thru Friday.

Appointments can usually be made by calling (908) 704-9659.

Pre-Rental Pre-rental counseling is for clients who have never rented before, or who are currently renting, but wish to learn about their rental options. These clients are provided with rental search assistance and other resources that would benefit their situation. CJHRC counselors can help clients learn about both market rate apartment options and affordable housing rental options.

Rental Document Checklist

Pre-Purchase Pre-purchase counseling is for clients who feel they are ready to purchase their first home. There are many factors to consider and be aware of before individuals and families make the decision to buy a home. CJHRC counselors provide comprehensive and customized pre-purchase counseling to their clients to make the home buying steps easier. CJHRC has formed partnerships with banks, attorneys, Realtors, Home Inspectors and credit counselors to assist clients with the purchase process.

Purchase Document Checklist

Senior Housing Options / Reverse Mortgage Counseling

With a range of subsidized and non-subsidized senior housing options and programs available in Somerset County finding appropriate and affordable accommodations for low to moderate-income seniors raises a number of questions. CJHRC counselors are able to help older residents and their families.

For homeowners that are 62 years of age and want to reside in their home but are having financial difficulty, a Reverse Mortgage may be a viable option.

Delinquency / Foreclosure Counseling

Delinquency/foreclosure counseling is intensive in-person counseling that CJHRC counselors can provide to help homeowners facing problems with paying their mortgage and other housing obligations. If homeowners have fallen behind on their mortgage, homeowners association fees, or real estate taxes due to reasons that are now resolved, CJHRC counselors may be able to prevent a foreclosure or a lien that could put their home in jeopardy. Once a family works hard to obtain homeownership, CJHRC does not want them to lose their home, and wants them to be aware of the options that exist to prevent that from happening.

Monthly Budget Form

Mortgage Default - Document Checklist