Building Jewish Families

Hebrew Free Loan of New Jersey is committed to helping members of our community build Jewish families – one child at a time. We can lighten your financial load, enabling you to focus on your medical treatment and self-care. We are here to help you continue your family-building journey and reduce added stress.

It is estimated that 15% of those trying to conceive are affected by infertility. Building a family with the help of advanced reproductive technologies can be stressful physically, financially, and emotionally

Building Jewish Families provides no fee interest free loans to help defray the costs associated with fertility treatments, surrogacy, gestational carrying, and/or adoption, and with the express intention of helping to build Jewish homes and strengthen Jewish families.

Hebrew Free Loan of New Jersey is committed to help build Jewish families. We will help prospective parents bring about the miracle of life by providing a resource for the tremendous expenses associated with in-vitro fertilization and other treatments, surrogacy, gestational carrier, and/or adoption by the granting of interest-free loans. We can think of no better use of our funds than this.” Arthur Schechner, Former Chairman of the Board, HFLNJ.

Who May Apply

The Borrower must live in Bergen, Essex, Hudson, Morris, Monmouth, Middlesex, Passaic, Sussex, and Union counties. The Borrower must be a member of the Jewish community or work for a Jewish organization. The Borrower’s spouse is also required to sign the loan documents.

Loan Terms

Building Jewish Family loans have varying repayment terms depending upon the amount of the loan.

Building Jewish Family loans over $2,000 require an Endorser who is a New Jersey resident, and loans above $5,000 require two Endorsers who are New Jersey residents.

A grace period of approximately 3 months is given before repayment begins.

Who May Be an Endorser

An Endorser must be a New Jersey resident, who is credit-worthy. Endorsers may not be a member of the clergy, or political office holder or on active duty in the military. A person may not be a borrower and endorser at the same time. The Endorser must fill out an information form and is required to sign the applicant’s loan documents.

How to Apply

HFLNJ understands that all information it receives is strictly confidential.

Prospective parent(s) will be considered individually and jointly. At least one prospective parent (the loan applicant) must be Jewish. All loan applicants must accept and agree to the criteria, which in the aggregate form the basis of the understanding of the loan agreement. All information provided is held in the strictest confidence. Applicant(s) also must be a resident of the communities in the HFLNJ coverage area.


  • For residents of Essex, Hudson, Morris, Sussex, and Union Counties, contact Malkie Ratzker at (973) 637-1739
  • For residents of Middlesex County, contact Debby Alter at (732) 777-1940, ext. 1119
  • For residents of Monmouth County, contact Leslie Kornfeld at (732) 588-1805, ext. 13
  • For residents of Bergen and Passaic Counties:
    • for loans above $5,000, please contact Malkie Ratzker
    • for loans below $5,000, contact Laura Brody at (201) 791-8395

Read the press release from the program launch.

HFLNJ loans are funded entirely by community donations. If you would like to contribute as we anticipate the need to be greater than ever, please click here.