Requires DMVA to provide mortgage loan counseling under certain circumstances.

This bill requires New Jersey mortgage lenders to provide a disclosure form with each loan application, informing veterans seeking housing loans under the G.I. Bill (Servicemen's Readjustment Act) that counseling services are available. It mandates the Department of Military and Veterans' Affairs (DMVA) to refer eligible veterans to the New Jersey Housing and Mortgage Finance Agency (NJHMFA) for free mortgage counseling. The counseling must review loan terms, provide G.I. Bill-specific guidance, and include any federally required information. It directly affects veterans in New Jersey applying for G.I. Bill-backed home loans and applies to all residential mortgage lenders originating such loans in the state.