New Jersey Housing and Mortgage Finance Agency

New Jersey Housing and Mortgage Finance Agency

Lender Resource Site

Access the Lender Portal Here

Note: This single link will work for those working with Single Family and Low Income Housing Tax Credits.   

HMFA Mortgage Schedule 

General Forms and Documents 

First Time Home Buyer Program Documents 

Homeward Bound Program Documents 

Smart Start Program Documents 

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.

Police & Firemen's Retirement System Loan Program Documents 

Please note all of the PFRS program documents can be found in the Lender Portal.

HFA Advantage Program Documents

FOR USE ON NEW RESERVATIONS ON OR AFTER JANUARY 11, 2024
FOR USE  ON PIEPLINE RESERVATIONS PRIOR TO JANUARY 11, 2024

 

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. 

 

2024 Bulletins


February 22, 2024 Lender Bulletin 2024-5: Mortgage Record Changes for FHA loans
January 16, 2024 Lender Bulletin 2024-4: NJHMFA Servicing/Trailing Documents Update

January 12, 2024

Lender Bulletin 2024-3: NJHMFA Quality Control Updates

January 11, 2024

Lender Bulletin 2024-2: NJHMFA Site Evaluator Updates

January 9, 2024

Lender Bulletin 2024-1: NJHMFA Delivery of PFRS Loans

2023 Bulletins


December 11, 2023

 Lender Bulletin 2023-23: NJHMFA Internet Loan Reservation System (ILRS) Changes

November 29, 2023

Lender Bulletin 2023-22: First-Generation DPA Updates and FAQ

November 28, 2023

Lender Bulletin 2023-21: NJHMFA Internet Loan Reservation System (ILRS) Changes

November 6, 2023

Lender Bulletin 2023-20: NJHMFA Underwriting Updates

October 5, 2023

Lender Bulletin 2023-19: NJHMFA Smart Start Plus First-Generation Home Buyer Program

August 24, 2023

Lender Bulletin 2023-18: FHA Supplemental Consumer Information Form (SCIF)

August 4, 2023

Lender Bulletin 2023-17: NJHMFA Updated Income and Purchase Limits

June 9, 2023

Lender Bulletin 2023-16: HFA Advantage Program Updated Income Limits for Lower Cost Mortgage Insurance

June 2, 2023

Lender Bulletin 2023-15: NJHMFA Holiday Closure for Juneteenth

June 1, 2023

Lender Bulletin 2023-14: NJHMFA Single Family Program Highlights

May 24, 2023

Lender Bulletin 2023-13: Acceptable Uses of Down Payment Assistance (DPA) Funds

May 19, 2023

Lender Bulletin 2023-12: Freddie Mac Supplemental Consumer Information Form (SCIF)

May 1, 2023

Lender Bulletin 2023-11: Mortgage Bankers Association Annual Regional Conference

April 19, 2023

Lender Bulletin 2023-10: NJHMFA Seller’s Guide Updates

April 3, 2023

Lender Bulletin 2023-9: NJHMFA Holiday Closure

March 30, 2023

Lender Bulletin 2023-8: NJHMFA Underwriting Submission Checklist & Required Documents

March 16, 2023

Lender Bulletin 2023-7: NJHMFA Underwriting Review Timelines

March 15, 2023

Lender Bulletin 2023-6: NJHMFA Approved Flood Zone Determination Vendors

March 1, 2023

Lender Bulletin 2023-5: Reduction in Annual Single-Family Mortgage Insurance Premium

February 27, 2023

Lender Bulletin 2023-4: NJHMFA PFRS Program LTV Update

February 23, 2023

Lender Bulletin 2023-3: NJHMFA Annual Lender Quality Control Training

January 26, 2023

Lender Bulletin 2023-2: HFA Advantage Program Updated Income Limits

January 5, 2023 Lender Bulletin 2023-1: NJHMFA Seller’s Guide Updates

2022 Bulletins


December 22, 2022 Lender Bulletin 2022-11: NJHMFA PFRS Program LTV Update
December 16, 2022 Lender Bulletin 2022-10: NJHMFA Underwriting Review Timelines
November 30, 2022 Lender Bulletin 2022-9: NJHMFA Updated Income and Purchase Limits
October 21, 2022 Lender Bulletin 2022-8: Down Payment Assistance Program to Increase to $15,000 in Designated Counties
August 18, 2022 Bulletin 2022-7: Registration Policy Reminder

August 12, 2022

Bulletin 2022-6: Introducing Our New Single Family Assistant Director of Programs

July 1, 2022

Bulletin 2022-5: Updated Mortgage Rider and Statutory Requirements Disclosures for the Police And Firemen’s Retirement System (PFRS) Mortgage Program

June 6, 2022

Bulletin 2022-4: NJHMFA HFA Advantage Program Increased Income Limits
April 6, 2022 Bulletin 2022-3: HFA Advantage Conventional Mortgage Program Launch & Mandatory Training
March 8, 2022 Bulletin 2022-2: HFA Advantage Conventional Mortgage Program Launch and Mandatory Training
January 20, 2022
Bulletin 2022-1: Updates to the Policy and Procedures (Seller’s Guide) for Participating Lenders
2021 Bulletins
September 10, 2021 Reissue Bulletin 2021-8: Hurricane Ida Disaster Appraisal Requirements
August 26, 2021 Bulletin 2021-7: First Time Homebuyer (FTHB) Qualification Update
July 20, 2021 Bulletin 2021-6: Internet Loan Reservation System (ILRS) – New Field Requirement
June 24, 2021 Bulletin 2021-5: HUD Mortgagee Letter 2021-13 – Updated Student Loan Payment Calculations
June 16, 2021 Bulletin-2021-4: Retirement-of-the-Home-Seeker-Down-Payment-Assistance-Program
June 16, 2021 Bulletin-2021-3 NJHMFA-Document-Updates-for-Down-Payment-Assistance
May 4, 2021 Bulletin 2021-2: NJHMFA Updated Income and Purchase Limits
April 23, 2021
Bulletin 2021-1: Updates to the Policy and Procedures (Seller’s Guide) for Participating Lenders
 2020 Bulletins
December 29, 2020 Bulletin 2020-16: Updates to the Policy and Procedures (Seller’s Guide) for Participating Lenders
November 19, 2020 Bulletin 2020-15: Updates to the Temporary Credit Standard Changes Related to the COVID-19 National Emergency
October 29, 2020 Bulletin 2020-14: Mandatory Quality Control Training for Lenders
September 21, 2020 Bulletin 2020-13: Reverification of Employment
September 16, 2020 Bulletin 2020-12: Delivery of PFRS Loans
August 21, 2020 Bulletin 2020-11: Forbearance Guidance for New Loan Purchases
July 13, 2020 Bulletin 2020-10: Suspension of Refinance Transactions Under the PFRS Program
June 15, 2020 Bulletin 2020-9: Updated Income and Purchase Limits
May 27, 2020 Bulletin 2020-8: Upcoming Site Evaluator Changes
May 19, 2020 UPDATE Bulletin 2020-6: Temporary Credit Standard Changes Related to the COVID-19 National Emergency
April 29, 2020 Bulletin 2020-7: Forbearance Guidance for New Loan Purchases
April 28, 2020 Bulletin 2020-6: Temporary Credit Standard Changes Related to the COVID-19 National Emergency
April 3, 2020 Bulletin 2020-5: Electronic Delivery PFRS Loans
April 2, 2020 Bulletin 2020-4: Reverification of Employment, Appraisal, and Pest Inspection Updates Related to the COVID-19 National Emergency
March 24, 2020 Bulletin 2020-3: NJHMFA Single Family Loan Program Procedures During COVID-19 Modified Work Environment
March 17, 2020 Bulletin 2020-2: ILRS - Electronic Imaging Upload
February 5, 2020 Bulletin 2020-1: Renegotiation and Extension (R&E) Process
2019 Bulletins
December 20, 2019 Bulletin 2019-15: NJHMFA Seller's Guide Update - 2020
October 31, 2019 Bulletin 2019-14: NJHMFA ILRS - Electronic Imaging Upload Testing 
October 31, 2019 Bulletin 2019-13: NJHMFA Underwriting Submission Checklist Changes
October 11 , 2019 Bulletin 2019-12: NJHMFA FHA Condo Rules  
July 26, 2019 Bulletin 2019-11: NJHMFA Mortgage Schedule Form 101 and Partial Payments
July 19, 2019 Bulletin 2019-10: Update - HUD Mortgagee Letter 19-06 DPA FHA-Insured First Mortgages with Down Payment Assistance
July 16, 2019 Bulletin #2019-9: HUD Mortgagee Letter 19-06 DPA FHA-Insured First Mortgages with Down Payment Assistance
June 19, 2019 Bulletin #2019-8: Registration Policy Reminder- Police and Fireman's Retirement System Mortgage Program (PFRS)
May 31, 2019 Bulletin #2019-7: Reminder: New DPA Disclosure Process Takes Effect
May 31, 2019 Bulletin #2019-6: Updated Income and Purchase Limits
April 18, 2019 Bulletin #2019-5: New Lender Fee Guideline
April 17, 2019 Bulletin #2019-4: New DPA Disclosure Process
March 15, 2019 Bulletin #2019-3: Introducing our New Business Development Manager
February 1, 2019 UPDATED Bulletin #2019-1: Renegotiation and Extension (R&E) Process
January 17, 2019 Bulletin #2019-2: Updates to the Policy and Procedures For Participating Lenders (Seller’s Guide)
January 17, 2019  Bulletin #2019-1: Renegotiation and Extension (R&E) Process
2018 Bulletins
December 21, 2018 Bulletin #2018-15: Mortgage Purchase Agreement
December 7, 2018 Bulletin #2018-14: ILRS and MITAS Updates Complete
December 4, 2018 Bulletin #2018-13: ILRS and MITAS Offline Dates
November 1, 2018 Bulletin #2018-12: Fillable Documents Now Available Online
October 2, 2018 Bulletin #2018-11: Down Payment Assistance Program Funding Update 
September 6, 2018 Bulletin #2018-10: Reservation Confirmation Form Update
August 31, 2018 Bulletin #2018-9: "No Survey" Survey Endorsement
July 26, 2018 Bulletin #2018-8: NJHMFA First-Time Homebuyer Program Reminders
July 18, 2018 Bulletin #2018-7: NJHMFA/Principal Curtailments
June 27, 2018 Bulletin #2018-6: NJHMFA Approved Digital Signature Platform
June 27, 2018 Bulletin #2018-5: NJHMFA Pre-Closing Loan Review Timelines
June 22, 2018 Bulletin #2018-4: Post-Closing Checklists and Lender Process Step Reminders
June 5, 2018 Bulletin #2018-3A: NJHMFA First Time Homebuyer Program
June 5, 2018 Bulletin #2018-2A: Revised Lender Guidelines for the NJHMFA Down Payment Assistance Program (DPA)
May 25, 2018 Bulletin #2018-3: NJHMFA First-Time Homebuyer Program
May 25, 2018 Bulletin #2018-2: Revised Lender Guidelines for the NJHMFA Down Payment Assistance Program (DPA)
April 2, 2018 Bulletin #2018-1: HomeSeeker Re-Opens
2017 Bulletins
Dec. 20, 2017 Bulletin #2017-20: Good-bye Letters
Oct. 18, 2017 Bulletin #2017-19: Clearing Conditions for Loan Purchase
Sept. 27, 2017 Bulletin #2017-18: Non-Borrowing Spouse Signature, PUD Homeowners Insurance
Aug. 31, 2017

Bulletin #2017-17: Homeward Bound Purchase Review Submission Checklist

Aug. 29, 2017 Bulletin #2017-16: Temporary Suspension of the HomeSeeker Program
Aug. 23, 2017 Bulletin #2017-15: Non-Borrowing Spouse, Cash Back Limitations, Loan Registration
Aug. 16, 2017 Bulletin #2017-14: Lender Resources Page Reminder
Aug. 2, 2017 Bulletin #2017-13: HomeSeeker Closed Loan Submission Checklist
July 18, 2017 Bulletin #2017-12: Homeward Bound, HomeSeeker, Smart Start
June 28, 2017 Bulletin #2017-11: Recording and Closing Policy Reminders
June 16, 2017 Bulletin #2017-10: Registering Homeward Bound Loans with DPA
May 25, 2017 Bulletin #2017-9: Revised HomeSeeker Lender Guidelines
May 16, 2017  Bulletin #2017-8: Update to Recording Mortgage Documents
May 9, 2017 Bulletin #2017-7: LE, CD Forms for HomeSeeker, Smart Start Programs
May 5, 2017 Bulletin #2017-6: Power of Attorney Requests 
May 2, 2017 Bulletin #2017-5: Recording Mortgage Documents
April 21, 2017 Bulletin #2017-4: New Income Limits to Boost HomeSeeker Program
April 3, 2017 Bulletin #2017-3: HomeSeeker Program Now Accepting Loan Reservations
March 28, 2017 Bulletin #2017-2: Quality Control Release Form (17k PDF)
Attachment 1: Quality Control Release Form (41k PDF)
February 7, 2017 Bulletin #2017-1: New Police and Firemen's Retirement System Mortgage Program (PFRS) Interest Rate (34k PDF)