HOME HMFA MORTGAGE PROGRAMS Info about HMFA Mortgages ROAD TO HOMEOWNERSHIP Step 1: What Can I Afford? Step 2: Finding an Affordable Property Step 3: Homebuyer Counseling Step 4: Available HMFA Lenders Step 5: Making an Offer Step 6: Applying for a Mortgage Step 7: The Home Inspection Step 8: The Closing Process TOOLS & RESOURCES FAQ's NEWSROOM ABOUT HMFA     Mortgage Calculator - Estimate the total cost of your mortgage and monthly payments. Affordability Calculator - Determine how much house you can afford. HMFA Approved Lender List HMFA Purchase Price and Income Limits Site Evaluator - This new tool can be used to determine if a project is located in a Smart Growth Area and its eligibility for various HMFA financing programs. HMFA's FREE First-Time Homebuyer Guide: Understanding the Homebuying Process | Traducción al Español (4.6MB PDF) Live Where You Work Participating Municipalities AnnualCreditReport.com Understanding Your Credit Report Credit Questions and Answers Building or Repairing Your Credit Mortgage Application Checklist - Prepare to apply for a mortgage having the following documents and information ready. Mortgage Application Process Flowchart FAQ HUD.gov - U.S. Department of Housing and Urban Development Realtor.com - Official Site of the National Association of REALTORS® NJMLS.com - New Jersey Multiple Listing Service NJAR.com - New Jersey Association of REALTORS® Realstorynj.com - New Jersey Association of REALTORS® Homebuyer Education Campaign NJHRC.gov - The New Jersey Housing Resource Center ASHI.org - American Society of Home Inspectors NAHI.org - National Association of Home Inspectors - New Jersey NJALPHI.com - New Jersey Association of Licensed Professional Home Inspectors VA.gov - U.S. Department of Veterans Affairs Rurdev.usda.gov - U.S. Department of Agrculture Rural Development Single Family Housing Loans and Grants     Home HMFA Mortgage Programs Road to Homeownership Tools & Resources FAQ’s Newsroom

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