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HMFA Mortgage Programs

Benefits of an HMFA Mortgage

  • Competitive, 30-year fixed interest rates.
  • Downpayments of as little as 3.5%.
  • Downpayment and closing cost assistance available with conventional, FHA, VA, or USDA loan types.
  • Seller's concessions of up to 3% permitted.
  • Certain closing costs can be gifted by family members, non-profit organizations or government agencies.
  • Unlike most lenders who sell their loans to other parties, HMFA retains the servicing for the life of the loan.
  • If you’re building a home, HMFA offers a longer rate lock for no extra fee.
  • Choose from our extensive list of lenders.
  • HMFA cares about you, the homebuyer, and has your best interests in mind.

READ more information about the different mortgage programs offered by the HMFA.

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Link to Newsroom New Jersey Housing and Mortgage Finance Agency