MAKE YOUR DREAM OF HOMEOWNERSHIP A REALITY

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AFFORDABLE MORTGAGE PROGRAMS

We’re committed to putting homeownership within your reach. We pay close attention and listen to the details that matter most to you, and then match you with the right mortgage. Our Lending Specialists are here to guide you from the moment you fill out an application all the way through closing.

FIRST-TIME HOMEBUYER MORTGAGE

Your first home is a leading step in the investment of your future and that’s why we offer a down payment as low as 5% and a discounted rate for our first-time homebuyers. You want a mortgage that meets you where you are now and accommodates those ambitions yet to come. Our lending specialists are here to guide you from the moment you fill out an application all the way through closing.

  • May be eligible for fee waivers on application fees
  • Income restrictions apply
  • The borrower must NOT have owned a home in the past 3 years
  • Properties must be located in Bergen, Essex, Hudson, Middlesex, Morris, Passaic or Union Counties
  • Available for buying owner-occupied, primary residence
Available for purchase only. Other restrictions may apply.

COMMUNITY MORTGAGE

When you buy a home, you forge a relationship within the neighborhood. It’s a move that impacts a lot of people for the better, including you. To make that move as profitable as possible, we offer a down payment as low as 5% and a discounted rate for purchasing or rate term refinancing.

  • May be eligible for fee waivers on application fees
  • Census tract restrictions apply
  • Properties must be in a low or moderate census tract as determined by FFIEC.gov
  • Properties must be located in Bergen, Essex, Hudson, Middlesex, Morris, Passaic or Union Counties
  • Available for a one or two family owner-occupied primary residence
Available for purchasing or rate term refinancing. Other restrictions may apply.

FEDERAL HOME LOAN BANK HOMEBUYER DREAM PROGRAMS®

Funds Now Available

The Homebuyer Dream Programs® are grant programs offered to eligible first-time home buyers that provides up to $30,000 towards your down payment and closing costs. The Homebuyer Dream Program® and Homebuyer Dream Program® Plus can be layered with Homebuyer Dream Program® Wealth Builder for additional grant funds if you meet specific eligibility requirements.


Eligibility Requirements:

  • Household is a first-time homebuyer
  • Must be an owner-occupied primary residence
  • Income restrictions apply
  • Provide a fully executed Purchase and Sales Contract
  • A minimum equity contribution of $1,000 towards the purchase
  • Purchase an eligible property in New Jersey
  • Completion of homeownership counseling
  • May require execution of a 5-year retention document at closing
Other restrictions may apply.