Administered by New Jersey Housing and Mortgage Finance Agency (NJHMFA) · New Jersey
Emergency Rescue Mortgage Assistance (ERMA) Program is stackable — it can be combined with other federal, state, and local programs on the same project. Michigan and Ohio projects commonly stack this program with Federal Historic Tax Credit, New Markets Tax Credit, and Opportunity Zone deferral to maximize total incentive value. Use GrantRadar to see your full stack.
Reporting deadlines, vendor rules, and the disallowed-cost pitfalls that trigger clawbacks.
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