71 | FDIC | Affordable Mortgage Lending Guide FDIC | Affordable Mortgage Lending Guide
HFA PRODUCTS AND RESOURCES
New Jersey Housing and Mortgage Finance Agency
www.njhousing.gov
First-Lien Mortgage Loans:
• Homeward Bound Homebuyer Mortgage
• Stay at Home Streamline Renance
Program
• Police and Fireghter Retirement System
Mortgage Program
• First-Time Homebuyer
Special Mortgage Purpose
Programs Eligible Uses:
Purchase, renance
Down Payment/
Closing Cost Assistance:
Smart Start Program, New Jersey HomeSeeker (deferred, forgivable loans)
Targeted Populations/
Special Programs:
First-time homebuyers, police and reghters
Mortgage Tax
Credit Certicate:
Not offered
Homeownership
Education/Counseling:
Required for New Jersey HomeSeeker
Individual
Development Accounts:
Not offered
Fannie Mae/Freddie Mac
HFA Mortgage
Insurance Products:
Not offered
HELPFUL WEB LINKS
New Jersey The Road Home New Jersey
http://www.theroadhomenj.com
New Jersey Down Payment and Closing Cost Assistance
http://www.state.nj.us/dca/hmfa/homeownership/buyers/smart/
New Jersey First Mortgage Programs
http://www.state.nj.us/dca/hmfa/homeownership/buyers/
New Jersey Participating Lenders List
http://www.state.nj.us/dca/hmfa/includes/lender.html