ENDNOTES 1 “Erasing New Jersey’s Red lines,” New Jersey Institute for Social Justice, April 30, 2020, https://d3n8a8pro7vhmx. cloudfront.net/njisj/pages/689/attachments/original/1588358478/Erasing_New_Jersey%27s_Red_Lines_Final. pdf?1588358478. 2 U.S. Census Bureau, American Community Survey, 2019 American Community Survey 1-Year Estimates, Table S2502, generated by Andre Vasilyev, using data.census.gov. 3 “New Jersey Needs More ‘Missing Middle’ Housing,” New Jersey Future, July 19, 2021, https://www.njfuture. org/2021/07/19/new-jersey-needs-more-missing-middle-housing/. 4 “About NJHMFA, “ NJHMFA, accessed October 23, 2021, https://www.njhousing.gov/dca/hmfa/about/ aboutnjhmfa/index.shtml. 5 Ibid. 6 “Homebuyers,” NJHMFA, accessed October 23, 2021, https://www.njhousing.gov/dca/hmfa/consumers/ homebuyers/index.shtml. 7 Ibid. 8 Ibid. 9 “New Jersey Housing and Mortgage Finance Agency, Governor Murphy Signs Legislation Authorizing Comprehensive Programs to Address Mortgage Distress in New Jersey,” New Jersey Housing and Mortgage Finance Agency, News release, (March 9, 2021) 10 Ryan P. Haygood, “America’s Original Sin and it’s Vestiges Belong to its States - Including N.J.,” N.J.COM (August 18, 2019), https://www.nj.com/opinion/2019/08/americas-original-sin-and-its-vestiges-belong-to-its-statesincluding-nj.html. 11 Michael Neal and Daniel Pang, “Newark Housing Pulse, March 2021,” Urban Institute, March 2021, https://www. urban.org/research/publication/newark-housing-pulse-march-2021/view/full_report. 12 Ibid. 13 “American Community Survey 1-Year Estimates,” Tables S2502, U.S Census Bureau, 2010-2019, accessed November 15, 2021, https://data.census.gov.) 14 “American Community Survey 1-Year Estimates,” Tables S2502, U.S Census Bureau, 2010-2019, accessed November 15, 2021, https://data.census.gov. 15 “Guide to Affordable Housing in New Jersey (Rev. April 01, 2016),” New Jersey Department of Community Affairs, accessed November 24, 2021, https://www.nj.gov/dca/divisions/codes/publications/guide.html. 16 “NJHMFA Homeward Bound Homebuyer Mortgage Program with Down Payment Assistance Program Descriptions,” New Jersey Housing and Mortgage Finance Agency, accessed December 10, 2021, https://www. njhousing.gov/dca/hmfa/consumers/docs/HWB-ConsumerFactSheet.pdf. 17 “Erasing New Jersey’s Red lines,” New Jersey Institute for Social Justice, April 30, 2020, https://d3n8a8pro7vhmx. cloudfront.net/njisj/pages/689/attachments/original/1588358478/Erasing_New_Jersey%27s_Red_Lines_Final. pdf?1588358478. 18 Ryan P. Haygood, “America’s Original Sin and it’s Vestiges Belong to its States - Including N.J.,” N.J.com (August 18, 2019), https://www.nj.com/opinion/2019/08/americas-original-sin-and-its-vestiges-belong-to-itsstatesincluding-nj.html. 19 New Jersey Housing and Mortgage Finance Agency, DPA_Demographics_2016-2020, generated by David Kinsey, September 12, 2021. 20 Amy Palmer and Jesse Crawford. 2021. “Author Interview with NJHMFA Communications and Outreach Department,” interview by Lea Hunter, October 20, 2021, Zoom. 21 Two additional FTEs, budgeted at $80,000 per year each. 22 “New Jersey Housing and Mortgage Finance Agency, NJHMFA Seeking Hospitals Interested in $12M Supportive Housing Partnership,” New Jersey Housing and Mortgage Finance Agency, News release, (November 7, 2018) 23 “New Jersey Housing and Mortgage Finance Agency, Murphy Administration Announces Collaboration with University Hospital in Newark Under NJHMFA’s Hospital Partnership Subsidy Program,” New Jersey Housing and Mortgage Finance Agency, News release, May 19, 2021. 24 “New Jersey Housing and Mortgage Finance Agency, Murphy Administration, St. Joseph’s Health Announce First Affordable Rental Development Under Agency’s Hospital Housing Partnership Program,” New Jersey Housing
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