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.
I'm fully licensed in New Jersey through PRMG (NMLS #225375) and serve borrowers statewide — from Bergen and Hudson counties in the north, through the Central Jersey corridor, all the way down to Cape May. Below is a breakdown by region with the cities and towns I work in most often.
Hackensack, Paramus, Fort Lee, Englewood, Ridgewood, Mahwah, Teaneck, Fair Lawn, Bergenfield, Cliffside Park, Edgewater, Tenafly, Closter, Westwood, Lyndhurst, Garfield, Saddle Brook, Wyckoff.
Jersey City, Hoboken, Bayonne, Union City, West New York, North Bergen, Weehawken, Secaucus, Kearny, Harrison, Guttenberg.
Newark, Montclair, Maplewood, South Orange, Livingston, West Orange, Bloomfield, Nutley, Belleville, Verona, Cedar Grove, Caldwell, Glen Ridge, Millburn, Short Hills.
Paterson, Clifton, Passaic, Wayne, Hawthorne, Little Falls, Totowa, Pompton Lakes, Ringwood, Wanaque, West Milford.
Morristown, Parsippany, Madison, Chatham, Denville, Randolph, Rockaway, Mount Olive, Roxbury, Mendham, Chester, Florham Park, Hanover, Long Hill.
Newton, Sparta, Vernon, Hardyston, Hopatcong, Andover, Stanhope, Byram, Frankford, Wantage.
Phillipsburg, Hackettstown, Washington, Belvidere, Blairstown, Mansfield, Independence, Hopatcong.
Elizabeth, Westfield, Summit, Cranford, Plainfield, Linden, Rahway, Roselle, Scotch Plains, Clark, Fanwood, Springfield, Mountainside, Berkeley Heights, New Providence.
Somerville, Bridgewater, Hillsborough, Franklin, Bound Brook, Bernards, Bedminster, Warren, Watchung, Branchburg, Montgomery, Manville, Raritan, Green Brook.
Flemington, Clinton, Lambertville, Raritan Township, Readington, Tewksbury, Lebanon, Hampton, Califon, High Bridge.
New Brunswick, Edison, Woodbridge, East Brunswick, Old Bridge, Sayreville, South Brunswick, North Brunswick, Piscataway, Plainsboro, Cranbury, Metuchen, Highland Park, Carteret, South Plainfield, Monroe.
Freehold, Howell, Manalapan, Marlboro, Middletown, Red Bank, Long Branch, Asbury Park, Wall, Tinton Falls, Hazlet, Holmdel, Belmar, Spring Lake, Colts Neck, Rumson, Fair Haven, Ocean Township, Eatontown.
Princeton, Lawrenceville, Hopewell, Pennington, Trenton, Hamilton, Hightstown, East Windsor, West Windsor, Ewing, Robbinsville.
Toms River, Brick, Lakewood, Manchester, Jackson, Lacey, Berkeley, Manahawkin, Long Beach Island, Point Pleasant, Barnegat, Stafford, Little Egg Harbor.
Mount Laurel, Marlton, Medford, Moorestown, Cinnaminson, Riverton, Delran, Willingboro, Mount Holly, Lumberton, Burlington, Pemberton, Browns Mills, Bordentown, Mansfield, Florence, Joint Base McGuire-Dix-Lakehurst (VA loan corridor).
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.
Washington Township, Sewell, Mantua, Pitman, Glassboro, Mullica Hill, Williamstown, Monroe Township, Woodbury, Westville, Deptford, 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, Cape May, Wildwood, North Wildwood, Stone Harbor, Avalon, Sea Isle City, Middle Township.
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.