New Jersey is a major focus market, I'm licensed in NJ and originate loans there regularly. The NJ market has its own DPA structure (NJHMFA), strong first-time buyer programs, and a unique mix of urban, suburban, and shore-area buyers, each with different financing strategies that work best.
New Jersey has higher-than-average property taxes (often 2.0-2.5% effective) which significantly impacts the real monthly payment. NJHMFA First-Time Homebuyer Mortgage Program with Down Payment Assistance is the workhorse program for first-time buyers, often layered with FHA financing.
Bergen County, Essex County, Hudson County, Middlesex County, Monmouth County, Ocean County, Morris County, Union County, Somerset County
NJHMFA + FHA stacks for first-time buyers, conventional 5-10% down for move-up buyers, and jumbo financing in higher-priced North Jersey and coastal areas. VA loans work well across the state given the military presence. Self-employed clients often use bank statement programs.
Run the tools, see what fits, then talk it through with a real advisor.
From Cherry Hill, my New Jersey service area extends roughly 2 hours in every direction, covering most of South Jersey, Central Jersey, Greater Philadelphia, Delaware, and parts of the Lehigh Valley.
Cherry Hill, Voorhees, Haddonfield, Haddon Township, Haddon Heights, Collingswood, Audubon, Magnolia, Stratford, Lindenwold, Pine Hill, Berlin, Gloucester Township, Sicklerville, Blackwood, Bellmawr, Mount Ephraim, Pennsauken, Camden, Merchantville, Maple Shade.
Mount Laurel, Marlton, Medford, Moorestown, Cinnaminson, Riverton, Delran, Willingboro, Mount Holly, Lumberton, Burlington, Pemberton, Browns Mills, Bordentown, Mansfield, Florence.
Washington Township, Sewell, Mantua, Pitman, Glassboro, Mullica Hill, Williamstown, Monroe Township, Woodbury, Westville, Deptford, Mantua, Swedesboro, Logan, Paulsboro.
Salem, Pennsville, Carneys Point, Penns Grove, Woodstown, Pilesgrove.
Vineland, Bridgeton, Millville, Hopewell, Deerfield, Upper Deerfield.
Atlantic City, Pleasantville, Egg Harbor Township, Egg Harbor City, Galloway, Absecon, Brigantine, Hammonton, Buena, Margate City, Ventnor City, Ocean City.
Ocean City, Cape May, Wildwood, North Wildwood, Stone Harbor, Avalon, Sea Isle City, Middle Township.
Toms River, Brick, Lakewood, Manchester, Jackson, Lacey, Berkeley, Manahawkin, Long Beach Island, Point Pleasant.
Freehold, Howell, Manalapan, Marlboro, Middletown, Red Bank, Long Branch, Asbury Park, Wall, Tinton Falls, Hazlet, Holmdel, Belmar, Spring Lake.
Princeton, Lawrenceville, Hopewell, Pennington, Trenton, Hamilton, Hightstown, East Windsor, West Windsor, Ewing, Robbinsville.
New Brunswick, Edison, Woodbridge, East Brunswick, Old Bridge, Sayreville, South Brunswick, North Brunswick, Piscataway, Plainsboro, Cranbury.
Flemington, Clinton, Lambertville, Bridgewater, Somerville, Hillsborough, Franklin, Bound Brook.
Philadelphia, Bucks County (Doylestown, Newtown, Levittown), Montgomery County (King of Prussia, Norristown, Lansdale), Delaware County (Media, Springfield, Upper Darby), Chester County (West Chester, Phoenixville, Coatesville).
Allentown, Bethlehem, Easton, Quakertown.
Wilmington, Newark, New Castle, Middletown, Dover, Smyrna.
Note: Mortgage solicitation activity in New York State is not permitted through this site. I'm licensed in 49 states through PRMG. Reach out for any scenario outside the listed counties, I'll confirm whether I can help.
Every loan program and tool listed here is available for New Jersey buyers. Pick what fits your situation.