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NJHMFA HFA Advantage Mortgage Program

Administered by:
New Jersey Housing and Mortgage Finance Agency
 · State · Government-Insured Mortgage
Funding status: Active

How much assistance

Competitive 30-year fixed-rate conventional mortgage

Eligibility

  • Income limits:
    Must not exceed 80% of area median income for most areas; higher limits may apply in targeted areas
  • First-time buyer required: No
  • Credit score minimum: 620
  • Geographic restrictions:
    Must purchase a home in New Jersey
  • Homebuyer education required: Yes

How to Apply for NJHMFA HFA Advantage Mortgage Program

Contact an NJHMFA participating lender through theroadhomenj.com. Complete homebuyer education. Can be paired with NJHMFA DPA.

Notes

Conventional loan option with affordable mortgage insurance and low down payment. Not limited to first-time buyers. Can be combined with NJHMFA DPA.

Cities Where This Program Is Available (26 cities across 1 state)

New Jersey (26 cities)

Available Statewide In