Conventional Loans are available to borrowers across New Jersey through licensed lenders and brokers. Eligibility, documentation and terms vary by borrower, property and investor, so the right fit depends on your situation.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New Jersey's state housing finance agency is New Jersey Housing and Mortgage Finance Agency (NJHMFA). Its homebuyer programs include First-Time Homebuyer Mortgage Program, NJHMFA Down Payment Assistance Program (DPA), First Generation Down Payment Assistance Program. These programs work through participating lenders and have their own eligibility rules. See our New Jersey first-time buyer programs guide.
Where conventional loans activity is highest in New Jersey
| County | loans originated (2024 HMDA) |
|---|---|
| Ocean County | 11,672 |
| Bergen County | 11,471 |
| Monmouth County | 11,326 |
| Middlesex County | 10,001 |
| Burlington County | 8,037 |
| Morris County | 7,946 |
| Camden County | 7,422 |
| Essex County | 7,052 |
| Union County | 5,726 |
| Gloucester County | 5,381 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
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Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in New Jersey
Conventional Loans overview · New Jersey mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025