1. Check Your Basic Eligibility

To qualify for up to $22,000 in assistance, you must meet these core requirements:

• First-Time Buyer: You must not have owned a home in the last 3 years.

• Primary Residence: The property must be used as your main home.

• Credit Score: A minimum credit score of 620 is generally required.

• Local Limits: You must meet specific household income and purchase price limits for Atlantic and surrounding Counties.

2. Complete a Homebuyer Education Course

Before receiving any funds, you must complete a certified homebuyer counseling course. This free or low-cost workshop covers:

• Essential budgeting and mortgage terms.

• Responsibilities of homeownership.

• Ensuring you are fully prepared for your purchase.

3. Partner with an Approved NJHMFA Lender

These grants must be paired with an NJHMFA 30-year fixed-rate mortgage. I can connect you with a participating local lender who will:

• Help you lock in your first mortgage.

• Officially reserve your grant funds.