Housing Programs

The goal of the Housing Division of O.C.E.A.N., Inc. is to increase the supply of safe, sanitary, and affordable housing in Ocean, Monmouth and Atlantic Counties and expand access to affordable housing for low-income households.

Services available through the Housing Division of O.C.E.A.N., Inc. are:


O.C.E.A.N., Inc. provides affordable rental housing to low-income families by building new housing units or by rehabilitating existing units. O.C.E.A.N., Inc. has constructed/rehabilitated/acquired one hundred fifty-seven (157) homes in Ocean, Monmouth and Atlantic Counties since this program began. Call (732) 244-5333 Ext. 917 or email June O’Hara at johara@oceaninc.org.

O.C.E.A.N., Inc., provides fifty (50) one-bedroom senior rental units at the Macedonia/O.C.E.A.N., Inc. Senior Complex for income eligible senior residents and thirty-five (35) units for seniors at Emerald Terrace in Barnegat (Southern Ocean County)

Macedonia/O.C.E.A.N., Senior Residence

Lakewood, NJ (Seniors 55 and Older)

144 John Street, Lakewood, NJ 08701

Phone (732) 730-1374 or (732) 244-5333, Ext. 917.

Fax (732) 349-4227

E-mail johara@oceanic.org

Emerald Terrace Phone Number (609) 698-2174 or (732) 244-5333, Ext. 917. Fax (732) 349-4227.

Home Construction: O.C.E.A.N., Inc. is a registered builder in New Jersey. The goal of the Home Construction Program is to assist low and moderate income families in realizing the American dream of owning their own home. Call (732) 244-5333, ext. 917.

Housing Counseling

O.C.E.A.N., Inc. is the US Department of Housing and Urban Development (HUD)’s certified housing counseling agency for Ocean County. The Housing Counselor provides counseling to clients on a variety of housing issues which includes mortgage counseling and credit counseling.  Interested individuals and families should contact the O.C.E.A.N., Inc. Housing Counselor (732) 288-2614 Ext. 104.

First Time Home Buyer

O.C.E.A.N., Inc. is the administrator for the Ocean County Consortium’s First Time Homebuyer program. The program brings together County government agencies with many area lenders including O.C.E.A.N., Inc. in a cooperative effort to increase the opportunity for homeownership among the county’s low to moderate income households.

Interested individuals and families should contact the O.C.E.A.N., Inc. Housing Counselor Nadine Kusterfarrell (732) 288-2614 Ext. 100 or at nkusterfarrell@oceaninc.org. The program utilizes HUD income guidelines to determine eligibility. All eligible applicants must attend a free introductory seminar that covers the basics of home buying and homeownership including topics such as determining how much you can afford, the importance of your credit report, the mortgage application process, and a review of homeownership responsibilities.

Those who do not qualify for the First Time Homebuyer program may decide to utilize other O.C.E.A.N., Inc. Housing Counseling services to obtain assistance in developing a savings plan, repairing and maintaining good credit, and budgeting for homeownership.

(O.C.E.A.N., Inc. provides reasonable accommodations to those with physical disabilities (first floor accommodations/elevators) and language requirements (barriers) through the use of in-house translators when required for agency program services).


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Main Office

40 Washington Street
Toms River, NJ 08753
Phone (732) 244-9041 

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