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FHA home loans are popular among New Jersey first-time homebuyers due to low down payment and credit requirements.
FHA Loans
A conventional(fixed-rate mortgage) is a popular type of home financing in New Jersey because it offers predictability for your budget.
Conventional Loans
A jumbo home loan is a mortgage used to finance New Jersey properties that are too expensive for a conventional conforming loan.
Jumbo Loans
Freddie Mac's Primary Mortgage Market Survey put the average 30-year fixed rate at 6.71% for the week of September 3, 2026. That is up from 6.66% the week before, and it is the highest Freddie Mac has printed since July 2025. The 15-year fixed also moved higher, to 6.04% from 5.98%. A year ago the…
The existing-home market and the new-home market are not telling the same story this week. On Tuesday the Census Bureau and HUD reported that sales of new single-family houses fell to a 607,000 annual rate in July, down 10.5% from June and 6.3% from a year earlier. Inventory climbed to 488,000 homes. At July's sales…
If you've been watching the housing market this summer with one eye open and the other firmly shut in self-defense, we don't blame you. August 2026 has brought some interesting developments that are worth understanding—especially if you're thinking about making a move before the leaves start falling. Let's break down what's actually happening out there…
If you've been watching the housing market from the sidelines, waiting for the "perfect moment" to make your move, I have news for you: that mythical perfect moment doesn't exist. But what we're seeing right now in August 2026 might be as close as it gets for many buyers who've been sitting on the fence.…
Conventional mortgages are ideal for buyers with good credit and money to put down. They typically require a higher down payment, usually 5%–20% and also have higher income and credit score requirements than government loans. Typical fixed-rate loans have a term of 30 or 15 years.
FHA loans are designed to benefit first-time homebuyers and buyers with less than perfect credit and not a lot of money to put down. FHA loan limits vary by county. View the FHA loan limits in your area.
If you are a veteran or a current member of the U.S. military, you can apply for a VA Loan, which currently offers up to 100% home financing. Thank you for your service!
Curious about refinancing your home in New Jersey? Now may be the right time to start saving money every month!
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