What is Address Yourself?

Address Yourself is an affordable homeownership initiative that combines budgeting, pre-purchase, and credit counseling with access to low-cost mortgage products to help get you into your new home.

Whether you’re ready to start looking for homes now or need to take some time to build a credit profile, this is the place to start.

Shot of a happy young family in their home

The Process

If you’re not quite mortgage ready, our counselors will create a customized plan to; improve your credit, and/or reduce your debt, and/or help you save for a down payment at no cost to you.

Are you interested in down payment assistance? Address Yourself counselors will help you find and apply for down payment assistance grants.

When you are mortgage ready, Address Yourself will help you get a pre-approval letter from any of our credit union partners. You are now ready to go searching for your home!

After you’ve purchased your home, your Address Yourself counselor will help you stay in your house, including working side by side with you to stay on top of your mortgage and deal with the credit union.


Housing Partnership and Navicore Solutions are nonprofit HUD-approved counseling agencies that specialize in credit repair and budgeting, and can offer their services in a variety of languages.

New Jersey Community Capital (NJCC) is a community development financial institution (CDFI) that has provided support to over 100 nonprofits throughout New Jersey since 1987.

Credit Unions are nonprofits committed to providing support to their members who are also their owners. Volunteers sit on the board of directors of all credit unions ensuring that profits are used to keep costs low for members. Affinity Federal Credit Union, The Credit Union of New Jersey, and Greater Alliance Credit Unions participate in Address Yourself and offer affordable mortgage products designed especially for low-to-moderate income families.

Servicing companies collect mortgage payments from borrowers on the behalf of the lender. Address Yourself works with a credit union servicing organization (CUSO), CUMAnet LLC. The staff at CUMAnet is used to working closely with housing counselors to ensure that your family has somewhere to turn, if ever a need arises. Some Address Yourself partners have an ownership interest in CUMAnet LLC. Click here to learn more about the relationship.


We encourage you to visit an informative site provided by our partner, CCCS of San Fransisco, to help you start thinking about where you are on the Road to Homeownership.

Credit unions are member-owned, not-for-profits committed to serving and assisting their members, who are also customers. All the members are owners of their credit union and can vote for its volunteer board of directors, Instead of providing profits to its shareholders, Credit Unions reinvest revenue to support their members. Credit Unions are insured by the National Credit Union Administration. Your counselor will help you identify several different lenders and loan products, including credit unions. You make the decision.

Participate in Address Yourself as a Real Estate Professional.

Ready? Let’s Get Started

Fill out the form below with your preferred method of contact and Address Yourself will contact you within 24 hours to get started.

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couple looking at tablet while moving into new home with boxes