Service members, veterans and eligible surviving spouses can use VA financing for qualifying homes anywhere in New Jersey. Whether you are relocating on orders or settling down after your service ends, the Department of Veterans Affairs guaranty may help you buy without monthly mortgage insurance. Choose your city below to learn about VA loans in your area, what the funding fee and appraisal involve, and how to connect with a licensed lender who works with VA borrowers.
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 VA loans activity is highest in New Jersey
| County | loans originated (2024 HMDA) |
|---|---|
| Burlington County | 771 |
| Ocean County | 499 |
| Camden County | 477 |
| Gloucester County | 353 |
| Monmouth County | 245 |
| Atlantic County | 243 |
| Middlesex County | 214 |
| Bergen County | 178 |
| Cumberland County | 178 |
| Sussex County | 166 |
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.
VA Loans by city in New Jersey
- Absecon
- Allendale
- Asbury Park
- Ashland
- Atlantic City
- Audubon
- Avenel
- Barrington
- Bayonne
- Beachwood
- Bellmawr
- Belmar
- Bergenfield
- Berlin
- Bernardsville
- Bloomingdale
- Bogota
- Boonton
- Bound Brook
- Bradley Gardens
- Bridgeton
- Brigantine
- Brookdale
- Browns Mills
- Budd Lake
- Butler
- Caldwell
- Camden
- Carlstadt
- Carteret
- Cherry Hill Mall
- Clayton
- Cliffside Park
- Clifton
- Closter
- Collingswood
- Colonia
- Cresskill
- Crestwood Village
- Dayton
- Dover
- Dumont
- Dunellen
- East Franklin
- East Orange
- East Rutherford
- Eatontown
- Echelon
- Edgewater
- Elizabeth
- Elmwood Park
- Emerson
- Englewood
- Englewood Cliffs
- Fair Haven
- Fair Lawn
- Fairview
- Fanwood
- Finderne
- Florham Park
- Fords
- Fort Dix
- Fort Lee
- Franklin
- Franklin Center
- Franklin Lakes
- Franklin Park
- Garfield
- Glassboro
- Glen Ridge
- Glen Rock
- Gloucester City
- Green Knoll
- Greentree
- Guttenberg
- Hackensack
- Hackettstown
- Haddon Heights
- Haddonfield
- Haledon
- Hamilton Square
- Hammonton
- Harrison
- Hasbrouck Heights
- Hawthorne
- Heathcote
- Highland Lakes
- Highland Park
- Hightstown
- Hillsdale
- Hoboken
- Holiday City-Berkeley
- Hopatcong
- Iselin
- Jamesburg
- Jersey City
- Keansburg
- Kearny
- Kendall Park
- Kenilworth
- Keyport
- Kingston Estates
- Kinnelon
- Lake Mohawk
- Laurence Harbor
- Leonia
- Lincoln Park
- Lincroft
- Linden
- Lindenwold
- Linwood
- Little Ferry
- Little Silver
- Lodi
- Long Branch
- Madison
- Madison Park
- Manasquan
- Manville
- Margate City
- Marlton
- Martinsville
- Matawan
- Maywood
- McGuire AFB
- Mercerville
- Metuchen
- Middlesex
- Midland Park
- Milltown
- Millville
- Montvale
- Moorestown-Lenola
- Morganville
- Morris Plains
- Morristown
- Mount Arlington
- Mountainside
- Mystic Island
- New Brunswick
- New Milford
- New Providence
- Newark
- Newton
- North Arlington
- North Caldwell
- North Haledon
- North Plainfield
- Northfield
- Norwood
- Oakland
- Ocean Acres
- Ocean City
- Oceanport
- Old Tappan
- Oradell
- Palisades Park
- Palmyra
- Paramus
- Park Ridge
- Passaic
- Paterson
- Paulsboro
- Perth Amboy
- Phillipsburg
- Pine Hill
- Pine Lake Park
- Pitman
- Plainfield
- Pleasantville
- Point Pleasant
- Pomona
- Pompton Lakes
- Princeton
- Princeton Meadows
- Prospect Park
- Rahway
- Ramblewood
- Ramsey
- Ramtown
- Red Bank
- Ridgefield
- Ridgefield Park
- Ridgewood
- Ringwood
- River Edge
- Robertsville
- Roseland
- Roselle
- Roselle Park
- Rumson
- Runnemede
- Rutherford
- Salem
- Sayreville
- Secaucus
- Short Hills
- Smithville
- Somerdale
- Somers Point
- Somerset
- Somerville
- South Amboy
- South Plainfield
- South River
- Spotswood
- Springdale
- Stratford
- Strathmore
- Succasunna
- Summit
- Tenafly
- Tinton Falls
- Totowa
- Trenton
- Twin Rivers
- Union Beach
- Union City
- Upper Montclair
- Upper Saddle River
- Ventnor City
- Villas
- Vineland
- Waldwick
- Wallington
- Wanaque
- Washington
- Watchung
- West Freehold
- West Long Branch
- West New York
- Westfield
- Westwood
- Wharton
- White Horse
- White Meadow Lake
- Williamstown
- Wood-Ridge
- Woodbury
- Woodcliff Lake
- Woodland Park
- Yardville
- Yorketown
Common questions
Can I build a home with a VA loan?
VA construction loans exist, but fewer lenders offer them because building adds risk and paperwork. The builder usually needs a VA builder ID, and the finished home must meet VA requirements. Some borrowers use a separate construction loan and then refinance into a VA loan once the home is complete. Ask lenders directly whether they handle VA construction and what documents they require from you and the builder.
What if the VA appraisal comes in below the price?
If the appraised value is lower than the contract price, you have choices. You can request a reconsideration of value with supporting sales data, renegotiate with the seller, or cover the difference with your own funds. VA purchase contracts include an escape clause that lets you walk away without losing your earnest money in that situation. Ask your agent to explain how the clause works before you sign.
What is a Certificate of Eligibility?
A Certificate of Eligibility, or COE, confirms that you meet the service requirements for a VA home loan and shows your available entitlement. Lenders can often pull it online through the VA system in a short time. If your records are not on file, you may need to submit your DD-214, a statement of service or other documents. Having the COE early helps your loan officer plan your purchase.
Related guides
- VA Construction Loans: Building a Home With a VA-Backed Loan
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in New Jersey
VA Loans overview · New Jersey mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025