___________________________________________________________________________________________________________

Attention First-Time Buyers The State of New Jersey wants to GIVE you money to buy a home!* And you can do it with 0% Down!

Click Here for First -Time Buyer Rates:  

HMFA Program Interest Rates ___________________________________________________________________________________________________________

Accumulating the funds for down payment and closing costs is a common barrier to potential homeowners. The Smart Start Program is available to participants in the Agency's first mortgage homebuyers program who are purchasing homes in Smart Growth areas and who earn less than 100% of HMFA's Home Buyer county income limits. The program helps these families by offering a second mortgage for down payment and/or closing costs up to 4% of the first mortgage.

Click Here for Smart Start Program Description: 

 Fact Sheet 

___________________________________________________________________________________________________________

NJHMFA will give qualified buyers a grant to cover: ALL of the required down payments; Some or most of the closing costs; Easy Qualifying; Low Mortgage Rates; Grant is forgivable over 5 Years!

___________________________________________________________________________________________________________

*Qualified applicants only. Property must be located in an area designated by the State of New Jersey. Many areas of Mercer, Burlington, Middlesex, Somerset, Hunterdon County qualify so call for details. Grant given with NJ HMFA’s 1st Time Buyer Mortgage Program. Take advantage of the State’s Smart Start Grant Program today!

Click Here for the list of qualified areas:  

Smart Start Locator ___________________________________________________________________________________________________________

To Pre-Qualify or for More Information about the Smart Start Program,

 please call Princeton Mortgage at 609-737-1000