Home / Buy
For buyersBuying a home? Let's make the process make sense.
You don't need to know everything about buying a home. You need someone who can tell you what comes next.
The buying process
From "not sure where to start" to move-in day.
Free checklist · Buyers
The New Jersey Homebuying Checklist
A step-by-step checklist from budgeting and pre-approval to closing day.
First-time buyers
First home? Start here.
First-time buyers may qualify for programs and assistance depending on income, location, and loan type.
Ask your lenderDown payment assistancePrograms that may help with your down payment, and how they generally work.
Ask your lenderNJ first-time buyer programsState and local programs worth asking about, including those offered through NJHMFA.
Plain languageMortgage basicsFixed vs. adjustable, FHA vs. conventional, points, PMI. We'll explain the terms you'll hear.
BudgetClosing costsWhat closing costs usually include, and when you'll need the funds ready.
We can't promise that you'll qualify for any program. A licensed mortgage lender can review your finances and tell you what you're eligible for, and we're happy to introduce you to one.
Questions to bring to a lender
Go into your first lender call prepared.
- Which loan types do I qualify for, and how do they compare?
- What would my estimated monthly payment be, including taxes and insurance?
- How much should I plan for a down payment and closing costs?
- Are there assistance programs I should apply for?
- How long does pre-approval last, and what could change it?
Not sure where to start?
Tell us about your home-buying goals.
We'll follow up to talk through budget, towns, and timing.
Not ready to talk yet? Download the free The New Jersey Homebuying Checklist.
Not ready yet? That's okay.
Let's talk →