The programs and resources listed below help homeowners with home repairs and improvements.

	New Jersey affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
	USDA Rural Development local office - home improvement loans and grants to low-income homeowners in rural areas
	New Jersey Office of Consumer Protection
	New Jersey Department of Banking and Insurance - licensee search
	New Jersey Housing & Mortgage Finance Agency (NJHMFA)
	New Jersey housing program guide for consumers
	New Jersey Citizen Action - home improvement loan counseling
	New Jersey Consumer Affairs - home improvement tips
	New Jersey Better Business Bureau
	Community contacts - find out if your community offers home repair assistance