This site covers 243 New Jersey cities and towns. Lenders originated 141,022 home loans across the New Jersey counties in our data in 2024. Below are the state rules borrowers ask about most, every loan type by state, and links to city pages.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
New Jersey mortgage rules to know
- Mortgage licensing: New Jersey Department of Banking and Insurance (DOBI), Licensing Services Bureau
- State housing finance agency: New Jersey Housing and Mortgage Finance Agency (NJHMFA)
- Foreclosure process: Judicial: the New Jersey Judiciary states that foreclosure is a judicial process in New Jersey, with contested cases decided by a Superior Court Chancery judge.
- Recording taxes and fees: Realty Transfer Fee (RTF) on deeds, paid to the county recording officer when the deed is presented for recording; plus the separate 'mansion tax' on higher-priced residential transfers, paid by the buyer.
- Property tax relief: New Jersey's main homeowner property tax relief is administered by the NJ Division of Taxation through programs such as ANCHOR, Senior Freeze (Property Tax Reimbursement) and the Stay NJ Property Tax Credit, applied for through the Division's Application for Property Tax Relief (Form PAS-1 for seniors and disability-benefit recipients).
- The New Jersey courts run a Residential Foreclosure Mediation Program for homeowners facing foreclosure, handled through the Superior Court Clerk's Office.
- Buyers of higher-priced residential property pay New Jersey's separate 'mansion tax' on top of the Realty Transfer Fee, and the county recording officer will not record a deed until the Realty Transfer Fee is paid.
- NJHMFA offers a First Generation Down Payment Assistance Program in addition to its general Down Payment Assistance Program.
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
Our online application is being set up. Call now and a licensed loan officer will take your application by phone.
Apply by phone: (888) 912-6746Prefer 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.
Loan types in New Jersey
- Mortgage Lenders in New Jersey
- Mortgage Companies in New Jersey
- Mortgage Brokers in New Jersey
- Home Loans in New Jersey
- Mortgage Refinance in New Jersey
- Cash-Out Refinance in New Jersey
- HELOC in New Jersey
- Home Equity Loans in New Jersey
- FHA Loans in New Jersey
- VA Loans in New Jersey
- First-Time Home Buyer Loans in New Jersey
- USDA Loans in New Jersey
- Jumbo Loans in New Jersey
- Reverse Mortgage in New Jersey
- Construction Loans in New Jersey
- Renovation Loans in New Jersey
- Conventional Loans in New Jersey
- Physician Loans in New Jersey
- Second Mortgages in New Jersey
Larger New Jersey cities
- Trenton
- Newark
- Jersey City
- Atlantic City
- Paterson
- Elizabeth
- Vineland
- Clifton
- Camden
- Passaic
- Union City
- Bayonne
- East Orange
- New Brunswick
- West New York
- Hoboken
- Perth Amboy
- Plainfield
- Hackensack
- Sayreville
- Linden
- Kearny
- Fort Lee
- Bridgeton
- Franklin
- Fair Lawn
- Garfield
- Princeton
- Long Branch
- Rahway
- Westfield
- Englewood
- Millville
- Bergenfield
- Paramus
- Cliffside Park
- Ridgewood
- Somerset
- Lodi
- South Plainfield
Guide
- https://www.nj.gov/dobi/banklicensing/rmla/mortloanorigin.html
- https://www.nj.gov/dca/hmfa/homebuyers-and-renters/homebuyers/
- https://www.nj.gov/treasury/taxation/lpt/rtffaqs.shtml
- https://www.njcourts.gov/sites/default/files/resforeclosure.pdf
- https://nj.gov//treasury//taxation/relief.shtml