Program Details

NJHMFA Smart Start Program is an official NJHMFA or local initiative that offers up to $10,000 or related support to make housing more affordable. Eligible applicants receive funding, education, and guidance.

Eligibility Requirements

  • Meet NJHMFA or local income and purchase limits.

  • Purchase or own a primary residence in an eligible area.

  • Complete required education or counseling.

Program Benefits

  • 4% of first mortgage amount (0% second loan) reduces upfront costs.

  • Competitive terms backed by NJHMFA.

How to Apply

  1. Contact an approved lender or housing office.

  2. Complete application and education requirements.

  3. Submit documentation.

  4. Close on loan or receive grant.

*Details are in the Mortgage Calculator*

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Home Price$350,000
Down Payment$70,000 (20%)
Interest Rate6.5%
Monthly Payment$2,212
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Licensed Mortgage Loan Officers

These mortgage professionals are licensed to operate in NEW-JERSEY and can help you navigate the application process for this program. They can answer your questions about eligibility, required documentation, and help you find the best financing options.

Licensed Mortgage Loan Officers in new-jersey

Connect with experienced mortgage professionals who can guide you through the home buying process and help you find the right loan program.

No Mortgage Loan Officers Available

We couldn't find any mortgage loan officers available for new-jersey at this time. Please check back later or contact our support team for assistance.

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Why work with a licensed mortgage loan officer?

Licensed mortgage loan officers have extensive knowledge of available programs, especially those for first-time homebuyers. They can help you navigate complex eligibility requirements and find the best financing options for your specific situation.