1. What are the main challenges faced by immigrants in New Jersey when it comes to obtaining housing?

1. One of the main challenges faced by immigrants in New Jersey when it comes to obtaining housing is discrimination. Immigrants often encounter discriminatory practices from landlords or real estate agents based on their nationality, race, or immigration status. This can manifest in the form of higher rental rates, requests for additional documentation, or outright denials of housing opportunities.

2. Limited access to affordable housing is another significant challenge for immigrants in New Jersey. The cost of housing in the state, particularly in urban areas, can be prohibitively high for many immigrant families, making it difficult to find suitable accommodation within their budget. Additionally, immigrants may face barriers such as a lack of credit history or proof of steady income, which can further hinder their ability to secure housing.

3. Language barriers can also pose a challenge for immigrants in New Jersey seeking housing. Limited English proficiency may make it difficult for immigrants to navigate the rental market, understand their rights as tenants, or effectively communicate with landlords or property managers. This can lead to misunderstandings, exploitation, or missed opportunities for housing.

4. Immigration status can be a significant barrier to obtaining housing for many immigrants in New Jersey. Undocumented immigrants may face difficulties in providing the necessary documentation required by landlords or may fear reporting housing violations due to concerns about their legal status. This can result in a reluctance to seek out assistance or assert their rights as tenants, leaving them vulnerable to exploitation or abuse in the housing market.

Addressing these challenges requires a multifaceted approach, including efforts to combat discrimination, increase access to affordable housing, provide language support services, and protect the rights of immigrants regardless of their immigration status. Community organizations, legal aid services, and government agencies play a crucial role in advocating for immigrant tenants and ensuring they have equal access to safe and affordable housing options in New Jersey.

2. What types of housing assistance programs are available for immigrants in New Jersey?

In New Jersey, there are several housing assistance programs available for immigrants to help them secure safe and affordable housing options. Some of the key programs include:

1. Section 8 Housing Choice Voucher Program: This federal program provides rental assistance to low-income individuals and families, including immigrants, to help them afford housing in the private market. Participants are able to choose their own housing, as long as it meets program requirements.

2. Public Housing: Public housing is another option available for immigrants in New Jersey, where housing units are owned and managed by local public housing authorities. Rent is typically based on income, making it more affordable for low-income individuals and families.

3. Emergency Shelter Assistance: Immigrants in need of immediate housing assistance can also access emergency shelter programs in New Jersey, which provide temporary housing solutions for individuals facing homelessness or housing instability.

4. Supportive Housing Programs: Some organizations in New Jersey offer supportive housing programs specifically designed to assist immigrants, including refugees and asylum seekers, in accessing stable housing along with supportive services such as case management, counseling, and job training.

Overall, these housing assistance programs aim to provide immigrants in New Jersey with the support they need to secure and maintain safe and stable housing, regardless of their immigration status.

3. How do immigration status and documentation affect an immigrant’s ability to secure housing in New Jersey?

Immigration status and documentation play a significant role in an immigrant’s ability to secure housing in New Jersey. Here are several key points to consider:

1. Legal status is crucial: Many landlords in New Jersey require prospective tenants to provide proof of legal immigration status. Without proper documentation, immigrants may face challenges in securing housing. Landlords may be hesitant to rent to individuals without legal status due to concerns about potential legal issues or risks.

2. Limited housing options: Immigrants with undocumented status may have limited options when it comes to housing. They may be forced to rely on informal or substandard housing arrangements, which can be unsafe and unstable.

3. Discrimination: Some landlords in New Jersey may discriminate against immigrants based on their immigration status. This can make it even more difficult for immigrants to secure housing, despite having the means to pay rent and meet other requirements.

Overall, immigration status and documentation can be significant barriers for immigrants trying to secure housing in New Jersey. It is essential for policymakers, advocates, and community organizations to work towards creating more inclusive housing policies that support all residents, regardless of their immigration status.

4. Can undocumented immigrants access affordable housing options in New Jersey?

Undocumented immigrants face significant challenges when seeking access to affordable housing options in New Jersey. Many housing programs, such as federal housing assistance programs, have eligibility requirements that exclude undocumented immigrants from participating. However, there are some potential avenues for undocumented immigrants to explore when seeking affordable housing in New Jersey:

1. Nonprofit and community organizations: There are nonprofit organizations and community groups in New Jersey that provide support and resources for undocumented immigrants, including assistance with finding affordable housing options. These organizations may offer rental assistance programs, housing counseling services, or connections to landlords who are willing to work with undocumented immigrants.

2. Private landlords: Some private landlords in New Jersey may be more flexible in their rental criteria and willing to rent to undocumented immigrants. It is important for undocumented immigrants to build relationships with landlords, communicate openly about their status, and demonstrate their ability to pay rent in order to secure housing.

3. Roommate or shared housing arrangements: Undocumented immigrants may consider joining a roommate or shared housing arrangement to reduce housing costs. This can be a more affordable option compared to renting a standalone apartment or house in New Jersey.

4. Legal assistance: Seeking legal assistance from immigrant rights organizations or pro bono legal services can help undocumented immigrants understand their rights and options when it comes to accessing affordable housing in New Jersey. Legal assistance can also help navigate any challenges or discrimination faced in the housing market due to immigration status.

Overall, while undocumented immigrants may face obstacles in accessing affordable housing options in New Jersey, there are resources and strategies available to help navigate these challenges and find safe and affordable housing opportunities.

5. Are there specific housing resources and services tailored to immigrant communities in New Jersey?

Yes, there are specific housing resources and services tailored to immigrant communities in New Jersey.

1. Nonprofit organizations such as the Latin American Legal Defense and Education Fund (LALDEF) and the International Institute of New Jersey offer housing assistance programs specifically designed for immigrants in the state. These organizations provide resources such as affordable housing listings, rental assistance programs, and guidance on navigating the housing market as a newcomer.

2. Additionally, there are government-funded programs like the New Jersey Department of Community Affairs’ Housing Resource Center, which offers information on affordable housing options, fair housing rights, and housing assistance programs for low-income individuals, including immigrants.

3. Immigrant-specific community centers and networks also play a crucial role in connecting newcomers to housing resources and services tailored to their needs. These centers often provide language support, cultural understanding, and advocacy to help immigrants secure safe and affordable housing in New Jersey.

Overall, these resources and services cater to the unique challenges faced by immigrant communities in accessing housing options, ultimately working towards promoting inclusive and supportive living environments for all residents in the state.

6. What are the rights and protections for immigrant renters in New Jersey?

In New Jersey, immigrant renters have specific rights and protections to ensure fair treatment in the housing market. Some key rights and protections for immigrant renters in New Jersey include:

1. Anti-discrimination laws: Immigrant renters are protected under federal and state laws prohibiting discrimination based on national origin or immigration status. Landlords cannot refuse to rent to someone or treat them differently because of their immigrant status.

2. Fair housing laws: New Jersey’s fair housing laws protect all renters, regardless of immigration status, from discriminatory practices such as denial of housing, unequal terms and conditions, and harassment based on nationality.

3. Lease agreements: Immigrant renters have the right to enter into lease agreements and housing contracts like any other tenant. They are entitled to review and understand the terms of the lease, and landlords must provide translations if requested.

4. Right to privacy: Immigrant renters have the same right to privacy as any other tenant. Landlords must provide notice before entering a rental unit and cannot intrude on a tenant’s privacy without proper justification.

5. Tenant rights organizations: Immigrant renters in New Jersey can seek assistance from tenant rights organizations and legal aid services that specialize in helping individuals navigate the rental market and protect their rights as tenants.

Overall, immigrant renters in New Jersey are entitled to the same rights and protections as any other tenant, and there are resources available to help them understand and assert these rights in the housing market.

7. How can immigrants in New Jersey find affordable housing options or rental assistance programs?

1. Immigrants in New Jersey can find affordable housing options or rental assistance programs through various avenues. One way is to contact local nonprofit organizations or community groups that specialize in providing housing assistance to immigrants. These organizations often have resources and information on affordable housing options and rental assistance programs available in the area.

2. Immigrants can also reach out to government agencies, such as the New Jersey Department of Community Affairs, which may offer housing programs and resources for low-income individuals, including immigrants. These agencies can provide information on rental assistance programs, affordable housing developments, and other resources that may be available to immigrants in need.

3. Another option for immigrants in New Jersey is to explore housing assistance programs offered by local housing authorities or nonprofits that cater specifically to immigrant populations. These organizations may have specialized programs tailored to the unique needs of immigrants, such as language barriers or cultural considerations.

4. Additionally, immigrants can seek assistance from immigrant advocacy organizations or legal aid groups that may be able to provide guidance on housing options and rental assistance programs available to immigrants in New Jersey. These organizations can help immigrants navigate the complexities of the housing market and access resources that may be available to them.

5. Lastly, immigrants can utilize online resources and platforms to search for affordable housing options in New Jersey. Websites like Affordable Housing Online, Rent.com, or social media groups dedicated to housing in New Jersey can provide valuable information on available rental assistance programs and affordable housing options for immigrants in the state.

By exploring these avenues and resources, immigrants in New Jersey can find affordable housing options and rental assistance programs that can help them secure safe and stable housing in their new community.

8. Are there any cultural or language barriers that immigrants may face when searching for housing in New Jersey?

1. Cultural and language barriers can be significant challenges for immigrants when searching for housing in New Jersey. Language differences can make it difficult for immigrants to communicate with landlords, understand rental agreements, or navigate the overall renting process. This can lead to misunderstandings, confusion, and even discrimination.

2. Cultural differences can also play a role in housing searches, as what is considered acceptable or customary in terms of housing may vary between different cultures. Immigrants may face discrimination or bias from landlords or housing agencies based on their nationality, ethnicity, or cultural background.

3. Additionally, immigrants may struggle to access housing resources and information due to limited proficiency in English or lack of knowledge about the local housing market. This can make it challenging for them to find suitable and affordable housing options that meet their needs.

4. To address these barriers, it is essential for immigrants to access language support services, such as interpreters or language assistance programs, when searching for housing. Building relationships with local community organizations, immigrant support groups, or cultural associations can also provide valuable guidance and resources in navigating the housing market in New Jersey. Ultimately, addressing cultural and language barriers is crucial in ensuring that immigrants have equal access to safe and affordable housing options in the state.

9. How does the location within New Jersey impact housing availability and affordability for immigrants?

The location within New Jersey can have a significant impact on housing availability and affordability for immigrants due to various factors such as:

1. Proximity to job opportunities: Immigrants may look for housing closer to employment hubs or industries that are likely to hire them, which can affect availability and affordability based on demand in those areas.

2. Urban vs. suburban areas: Urban areas tend to have higher housing costs compared to suburban locations, so immigrants may need to consider living farther from cities to find more affordable housing options.

3. Cultural communities: Immigrants may prefer living in areas with a strong presence of their cultural community, which could affect availability and affordability if demand is high in such neighborhoods.

4. Public transportation access: Immigrants who rely on public transportation may prioritize housing locations with easy access to buses or trains, which might impact affordability in areas with robust transit systems.

5. Housing policies and regulations: Different municipalities in New Jersey may have varying housing policies and regulations that can impact availability and affordability for immigrants, such as rent control ordinances or affordable housing requirements.

6. Housing voucher programs: Availability of housing voucher programs in certain locations can greatly influence affordability for immigrants who qualify for such assistance.

Overall, the location within New Jersey plays a crucial role in determining housing availability and affordability for immigrants, as various factors come into play based on the specific characteristics of each area within the state.

10. What are the eligibility criteria for immigrants to qualify for housing assistance programs in New Jersey?

In New Jersey, immigrants must meet specific eligibility criteria to qualify for housing assistance programs. Some common requirements include:
1. Legal Status: Immigrants must have a lawful immigration status in the United States, such as being a permanent resident, refugee, or asylee.
2. Income Limits: Applicants must typically fall within the income limits set by the specific housing assistance program, which may vary depending on the size of the household.
3. Residency: In most cases, individuals must be residents of New Jersey to qualify for local housing assistance programs.
4. Household Composition: The size and composition of the applicant’s household will also be taken into consideration when determining eligibility.
5. Prioritization Criteria: Some housing programs may give priority to certain groups, such as homeless individuals or families, veterans, or elderly residents.

It is important for immigrants seeking housing assistance in New Jersey to carefully review the eligibility criteria for the specific program they are interested in and to provide all necessary documentation to support their application. Additionally, seeking assistance from local community organizations or legal aid services may be beneficial in navigating the application process.

11. Are there specific organizations or agencies in New Jersey that specialize in assisting immigrants with housing needs?

Yes, there are specific organizations and agencies in New Jersey that specialize in assisting immigrants with housing needs. Some examples include:

1. Make the Road New Jersey: This organization provides various services to immigrants, including assistance with housing issues such as finding affordable housing, navigating the rental market, and addressing landlord-tenant disputes.

2. Catholic Charities Diocese of Trenton: Catholic Charities offers housing assistance programs for immigrants and refugees, including emergency shelter services, transitional housing, and rental assistance programs.

3. New Jersey Coalition to End Homelessness: This organization works to prevent and end homelessness in New Jersey, including among immigrant populations. They provide resources and support to help immigrants secure stable and affordable housing.

4. Affordable Housing Alliance: This nonprofit organization offers affordable housing programs and services to low-income individuals and families, including immigrants, in New Jersey.

These organizations and agencies play a crucial role in assisting immigrants in New Jersey with their housing needs and can provide valuable resources and support to help navigate the housing market and access stable and affordable housing options.

12. What are some common misconceptions or myths regarding housing options for immigrants in New Jersey?

1. One common misconception regarding housing options for immigrants in New Jersey is that all immigrants live in overcrowded and substandard housing conditions. While some immigrants may face challenges in finding affordable and suitable housing, many immigrants in New Jersey live in well-maintained homes or apartments that meet safety and health standards.

2. Another misconception is that all immigrants receive government assistance for housing. In reality, many immigrants are not eligible for certain types of public housing or rental assistance due to their immigration status. They may rely on private landlords or community resources for housing support.

3. There is also a misconception that immigrants are more likely to engage in illegal activities such as renting properties without proper documentation. While there are cases of individuals engaging in illegal housing practices, the majority of immigrants in New Jersey follow legal procedures when renting or purchasing housing.

4. Lastly, some may believe that immigrants have a negative impact on the housing market by driving up rental prices or taking away housing opportunities from local residents. In actuality, immigrants contribute to the economy and often fill essential roles in industries that support the housing market.

Overall, it is important to debunk these misconceptions and understand that immigrants in New Jersey face unique challenges and opportunities in accessing suitable housing options. Working towards inclusive and supportive housing policies can help ensure that all residents, regardless of immigration status, have access to safe and affordable housing options.

13. How can immigrants in New Jersey navigate the rental or homebuying process effectively?

Immigrants in New Jersey can navigate the rental or homebuying process effectively through the following methods:

1. Research and Understand Local Housing Market: Immigrants should start by researching the local housing market in New Jersey to understand the available options, prices, and neighborhoods that suit their needs and budget.

2. Consider Working with a Real Estate Agent: Engaging a trusted real estate agent who understands the local market can be beneficial for immigrants. Agents can provide valuable insights, guide them through the process, and help negotiate deals on their behalf.

3. Understand Rental or Homebuying Requirements: Immigrants should familiarize themselves with the legal requirements for renting or buying a home in New Jersey, such as credit checks, lease agreements, and down payment obligations.

4. Build a Strong Financial Profile: Building a strong financial profile, including establishing good credit history, saving for a down payment, and maintaining stable employment, can enhance immigrants’ chances of securing a rental or mortgage.

5. Seek Assistance from Nonprofit Organizations: There are nonprofit organizations in New Jersey that offer assistance to immigrants in navigating the housing process. These organizations provide resources, workshops, and counseling to help with renting or buying a home.

6. Understand Tenant and Homebuyer Rights: Immigrants should educate themselves on their rights as tenants or homebuyers in New Jersey to avoid any potential issues or misunderstandings during the process.

By following these steps, immigrants in New Jersey can navigate the rental or homebuying process effectively, making informed decisions and securing suitable housing options in their new community.

14. What are some tips for immigrants in New Jersey to build a good rental or credit history to secure housing?

Building a good rental or credit history as an immigrant in New Jersey can be essential for securing housing. Here are some tips to help you establish a positive record:

1. Understand the Requirements: Familiarize yourself with the rental and credit history requirements in New Jersey, as they can vary from landlord to landlord.

2. Start Small: Begin by renting an affordable apartment or property within your means to establish a track record of timely payments.

3. Build Credit: Open a bank account and obtain a secured credit card to start building your credit history. Make sure to make timely payments and keep your credit utilization low.

4. Pay Bills on Time: Make timely payments for all your bills, including rent, utilities, and credit card payments. Late payments can negatively impact your credit score.

5. Get a Co-Signer: If you’re struggling to secure housing due to limited credit history, consider having a co-signer with a strong credit score vouch for you.

6. Provide Proof of Income: Landlords often require proof of stable income. Be prepared to provide pay stubs, employment verification, or a letter from your employer.

7. Communicate Effectively: Establish open communication with your landlord or property manager. Inform them of any challenges you may face in paying rent on time.

8. Seek Housing Assistance Programs: Explore government or non-profit organizations that offer housing assistance or rental subsidies for immigrants in need.

9. Build Relationships: Cultivate positive relationships with your neighbors and community members, which can help strengthen your network and support system.

10. Monitor Your Credit Report: Regularly check your credit report for errors or discrepancies that may affect your credit score and address them promptly.

By following these tips and demonstrating responsible financial behavior, immigrants in New Jersey can build a solid rental and credit history that will increase their chances of securing housing in the future.

15. Are there any specific cultural considerations that should be taken into account when providing housing services to immigrants in New Jersey?

Yes, there are certainly specific cultural considerations that should be taken into account when providing housing services to immigrants in New Jersey:

1. Language barriers: Immigrants may not be fluent in English, so it is important to provide housing information and services in multiple languages to ensure clear communication.

2. Cultural practices: Different cultures have varying preferences and practices when it comes to housing arrangements, such as the need for communal living spaces or specific religious considerations. It is important to be aware of and respectful towards these differences.

3. Family dynamics: Many immigrant families have multi-generational households or extended family members living together. Housing options should take into account the need for larger living spaces to accommodate these family structures.

4. Access to cultural amenities: Immigrants may have specific cultural needs or preferences when it comes to accessing amenities such as religious centers, grocery stores, or community centers. Housing should be located in areas that provide easy access to these resources.

5. Discrimination and bias: Immigrants may face discrimination in the housing market based on their nationality or ethnicity. Housing providers should ensure fair and equal treatment for all individuals regardless of their background.

By considering these cultural factors, housing services can be more effectively tailored to meet the needs of immigrants in New Jersey and create a more inclusive and supportive environment for all residents.

16. How do federal and state laws regarding fair housing apply to immigrants in New Jersey?

Federal fair housing laws, such as the Fair Housing Act, prohibit discrimination based on race, color, national origin, religion, sex, familial status, or disability in housing transactions. These protections extend to immigrants regardless of their immigration status. In New Jersey, state fair housing laws further strengthen these protections by adding additional categories such as ancestry, marital status, and sexual orientation. Immigrants in New Jersey are legally entitled to equal access to housing opportunities and are protected from discrimination in rental, sales, lending, and other housing-related activities.

Immigrants in New Jersey can seek assistance from organizations such as the New Jersey Division on Civil Rights or Fair Housing Councils if they experience housing discrimination based on their immigrant status. These organizations can provide guidance, support, and legal recourse for those facing unfair treatment in housing matters. It is essential for immigrants to be aware of their rights under federal and state fair housing laws and to speak up if they encounter any form of discrimination.

17. What are some of the best neighborhoods or cities in New Jersey for immigrants to consider when looking for housing?

1. Jersey City: With a diverse population and a variety of ethnic neighborhoods, Jersey City is a popular choice for immigrants in New Jersey. It offers proximity to New York City, a range of housing options, and a vibrant cultural scene.

2. Edison: Located in Middlesex County, Edison is known for its strong Indian community, making it a welcoming place for South Asian immigrants. The township has good schools, safe neighborhoods, and easy access to major highways and public transportation.

3. Fort Lee: Situated along the Hudson River, Fort Lee is a diverse community with a large Korean population. It offers a mix of housing options, including apartments and single-family homes, as well as convenient access to transportation into New York City.

4. North Bergen: This township in Hudson County is known for its growing Hispanic community, particularly from countries like Cuba, the Dominican Republic, and Colombia. North Bergen offers a range of housing choices, good schools, and easy access to public transportation.

5. Elizabeth: As one of New Jersey’s most ethnically diverse cities, Elizabeth provides a welcoming environment for immigrants from various backgrounds. The city offers affordable housing options, cultural attractions, and proximity to major transportation hubs.

6. Parsippany-Troy Hills: Located in Morris County, Parsippany-Troy Hills has a diverse population and a strong sense of community. Immigrants can find a range of housing options, good schools, and access to parks and recreational facilities.

These are just a few examples of neighborhoods and cities in New Jersey that offer welcoming environments and opportunities for immigrants to find housing that meets their needs. Immigrants should consider factors such as affordability, proximity to job opportunities, cultural amenities, and access to public transportation when choosing a place to live in the state.

18. How can immigrants in New Jersey protect themselves from housing discrimination based on their immigration status?

Immigrants in New Jersey can protect themselves from housing discrimination based on their immigration status by taking the following steps:

1. Know your rights: Immigrants should educate themselves about fair housing laws in New Jersey, such as the New Jersey Law Against Discrimination (NJLAD) and the Fair Housing Act, which prohibit discrimination based on immigration status.

2. Document everything: Keep a record of all communication and interactions with landlords, property managers, and real estate agents. This includes emails, texts, and any documents related to your housing search or tenancy.

3. Seek legal assistance: If you believe you have been a victim of housing discrimination based on your immigration status, seek legal help from organizations such as Legal Services of New Jersey or the American Civil Liberties Union (ACLU) of New Jersey.

4. Report discrimination: File a complaint with the New Jersey Division on Civil Rights or the U.S. Department of Housing and Urban Development (HUD) if you experience housing discrimination based on your immigration status.

By being informed about their rights, documenting interactions, seeking legal assistance when needed, and reporting discrimination, immigrants in New Jersey can protect themselves from housing discrimination based on their immigration status.

19. What are the steps for immigrants in New Jersey to obtain permanent housing stability?

To obtain permanent housing stability in New Jersey, immigrants can follow several key steps:

1. Understand Eligibility Criteria: Immigrants should familiarize themselves with the eligibility criteria for affordable housing programs in New Jersey. Different programs may have specific requirements pertaining to income, household size, and immigration status.

2. Explore Affordable Housing Options: Immigrants can explore various affordable housing options available in New Jersey, such as public housing, Section 8 vouchers, and Low-Income Housing Tax Credit properties. Nonprofit organizations and community groups may also offer housing assistance programs.

3. Apply for Housing Programs: Immigrants should carefully complete and submit applications for relevant housing programs. It’s important to provide accurate information and required documentation to support their eligibility.

4. Attend Housing Counseling: Immigrants can benefit from attending housing counseling sessions provided by HUD-approved agencies. These sessions can offer valuable guidance on navigating the housing market and finding suitable accommodation.

5. Seek Legal Assistance: If facing legal challenges related to housing stability, immigrants can reach out to legal aid organizations or pro bono legal services for assistance. It’s crucial to understand one’s rights and options under housing laws.

6. Build Credit History: Establishing a positive credit history can enhance immigrants’ chances of securing housing in New Jersey. Timely payment of bills and debts can help demonstrate financial responsibility to potential landlords or housing providers.

7. Network and Seek Support: Immigrants can leverage their community networks, social services, and immigrant support organizations for housing referrals and assistance. Building a support system can provide valuable resources and guidance throughout the housing search process.

By following these steps and diligently pursuing housing opportunities in New Jersey, immigrants can work towards achieving permanent housing stability in their new environment.

20. Can immigrants in New Jersey access homeownership programs or assistance to purchase a home?

Yes, immigrants in New Jersey can access homeownership programs and assistance to purchase a home. There are several options available to help immigrants achieve the dream of owning a home in the state:

1. Down Payment Assistance: Many organizations and programs offer down payment assistance to help immigrants cover the upfront costs of purchasing a home.

2. First-Time Homebuyer Programs: Immigrants who are first-time homebuyers may qualify for special programs that provide financial assistance, education, and support throughout the homebuying process.

3. Nonprofit Organizations: There are nonprofit organizations in New Jersey that specifically focus on assisting immigrants and providing resources for homeownership.

4. HUD-Approved Housing Counseling Agencies: The U.S. Department of Housing and Urban Development (HUD) funds housing counseling agencies that offer guidance and assistance to individuals looking to buy a home, including immigrants.

5. State and Local Initiatives: New Jersey may have state or local government programs that aim to increase homeownership among immigrant communities through various incentives and support services.

Overall, immigrants in New Jersey have access to a range of homeownership programs and assistance options to help them achieve their goal of purchasing a home in the state.