Access the Internet Loan Reservation System (ILRS) Here
Note: This single link will work for those working with Single Family and Low Income Housing Tax Credits.
New Jersey Housing and Mortgage Finance Agency
Note: This single link will work for those working with Single Family and Low Income Housing Tax Credits.
Known as the "Seller's Guide" - EFFECTIVE October 20, 2023
Known as the "Seller's Guide" - EFFECTIVE April 21, 2023
The NJHMFA Smart Start Program is the NJHMFA Down Payment Assistance (DPA) Program. It provides qualified buyers with up to $22,000 based upon the county of the purchase property and use of the First Generation Program. Lenders are now required to enter in the DPA amount on all of the Smart Start DPA documents.
The Smart Start Plus First-Generation Program is effective October 20, 2023 and will only apply to new loan reservations. The Smart Start Plus First-Generation Program requires all borrowers to sign an affidavit, attesting to their eligibility as a first-generation buyer.
Please note all of the PFRS program documents can be found in the Internet Loan Reservation System (ILRS).
New to the Site Evaluator? Learn more.
Approved Participating Lender's staff shall complete all required NJHMFA training, and any training required by any Agency authorized designee and/or vendor, prior to being authorized to originate loans. The Participating Lender must send an email to SFLenders@njhmfa.gov to schedule training.