The New Jersey Housing and Mortgage Finance Agency provides a variety of programs to help prospective homebuyers purchase a home.

Homeward Bound Homebuyer Mortgage

Information about the NJHMFA's Homeward Bound Homebuyer Mortgage Program

First-Time Homebuyer

Information about the NJHMFA's First-Time Homebuyer Program

Smart Start

Information about the NJHMFA's Smart Start Program

Police and Firefighter Retirement System Mortgage Program

Information about the NJHMFA's Police and Firefighter Retirement System Mortgage Program

Urban Target Areas (UTAs)

Information about Urban Target Areas (UTAs)

Site Evaluator

The Site Evaluator is an interactive mapping tool that offers a response to Urban Target Areas, Smart Growth and program eligibility inquiries.

Sandy Homebuyer Assistance Program

Visit this page for detailed information about the Sandy Homebuyer Assistance Program

Homebuyer FAQ's

Here are some frequenly asked questions about the homebuying process.