New Jersey Homestead Protection for Veterans & Military Families

New Jersey law now provides added protection for veterans, active-duty service members, and military spouses when it comes to homeownership.

In simple terms, this law helps protect a qualifying home from being forced into sale to satisfy most personal debts, such as credit card or medical bills. In many cases, the protection applies not only to a primary residence, but also to a second home, such as a vacation or shore property.

This added safeguard is designed to provide greater housing stability and peace of mind for those who have served our country and their families.

Important to Know
This protection does not eliminate normal financial responsibilities. Mortgage payments, property taxes, and government-related obligations must still be paid, and lenders retain their rights under existing loan agreements.

If you are a veteran or part of a military family and have questions about how this protection applies to your home, it’s a good idea to speak with a qualified legal or financial professional — and to make sure your real estate team is aware of the law when buying, selling, or refinancing a property.

This information is provided for general educational purposes only. It is not legal, tax, or financial advice. Laws can change and may apply differently depending on individual circumstances. For guidance specific to your situation, we recommend consulting a qualified attorney, tax professional, or financial advisor.