The Financial Counseling program provides one-on-one financial coaching to assist with improving credit scores, developing realistic spending plans and how to effective use a budget, trimming expenses, strategies to increase savings and money management education aimed at assisting Monmouth County NJ residents move from financial difficulty to economic well-being. 

In order for a HUD-certified counselor to prepare to meet with you, we need to gather information and documents from you. We have an application available online (click the Blue 'Apply' button). If you do not feel you can fill out the application online, we can help you through the application on the phone or in person. Please call 732-389-2958, Option 7 for more information.

Our application requires:

• Collecting information regarding your demographics, your income and finances, your home and your mortgage. We will need you to fill out a budget listing all expenses and bills.
• Signing disclosures
• Provide the following documents:
  • Photo ID
  • Income statements (Benefits Letters, Pension Statements, Paystubs spanning one month, Alimony or Child Support orders, etc.)
  • Bank statements for 2 months
  • Tax returns and W2s for 2 years
  • Liabilities/Debt (all debt statements you have, including credit cards, auto loans, and student loans - include both applicants if you have a co-applicant)
  • If you are a Section 8 client, any rental subsidy to pay your monthly rent obligations