South Jersey based  ·  Serving all 21 New Jersey counties  ·  NJHMFA-Approved

Get up to $22,000 from the State of New Jersey toward your first home.

Most renters have no idea this money exists. It can cover your down payment and closing costs so you can stop renting and buy this year without draining your savings.

  • ✓Up to $22,000 toward down payment and closing costs through NJHMFA programs
  • ✓You do not need 20% down to buy your first home
  • ✓Find out in minutes whether you qualify, no obligation
⭐ Local lender, real person 🔒 No credit pull to check 🏡 NJ primary residences
Free 60-Second Assessment

See if you qualify for up to $22,000

Question 1 of 7

🔒 Secure. Checking eligibility does not affect your credit score. We will never sell your information.

$22,000Max assistance available
$0Monthly payments on the help*
3%Down payment options exist

How the money actually works

New Jersey set this up to help first-time buyers get into a home. Here's the simple version.

1

You check eligibility

A quick conversation tells us which NJHMFA and county programs you may qualify for based on income, county, and first-time buyer status.

2

The state contributes

Qualified buyers can receive assistance toward down payment and closing costs as an interest-free second loan with no monthly payments.*

3

You buy your home

We pair the assistance with the right loan, get you pre-approved, and you stop paying someone else's mortgage.

G ★★★★★ 5.0 rating on Google

Real New Jersey families. Real first homes.

A few words from buyers who worked with Brad and the team.

TC
Tyler Chytraus
★★★★★
I was a first time home buyer and Brad made it so easy for me. Thank you!
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RF
Rosemarie Fusco
★★★★★
Brad helped me buy my first house and helped me with finding a program that worked for my budget. I would highly recommend them if you are looking for a mortgage.
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JM
Jessica Melon
★★★★★
Brad was an amazing help in the process of my husband and I buying our first home. He was so knowledgeable that it put us at ease the entire way.
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SJ
Sherine Jordon
★★★★★
Mr. Brondt was very helpful with the purchase of my first home in Marlton.
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JM
Julia McDonough
★★★★★
Brad was fantastic in helping both my husband and I understand the ins and outs of being older first time home buyers.
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TW
Terrell Williams
★★★★★
Mr. Brad Brondt was very instrumental with the purchase of my FIRST home. A spectacular real estate investment on my part. Thanks Brad.
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MM
Megan Ward
★★★★★
Brad Brondt and his team at Acre Mortgage were fantastic! They helped my husband and I purchase our home in June 2016.
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SD
Sam Delvalle
★★★★★
Brad is excellent! He went out of his way to help my wife and I with the loan for our first home. He's a true professional.
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KA
Ken Allen
★★★★★
Brad Brondt was great! He and his team were amazing. They were very helpful from the beginning until closing. We were able to buy our first house with ease. Thanks again Brad from the Hernandez family!
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VM
Vanessa Martinez
★★★★★
When I purchased my first home back in 2011, I didn't have any knowledge about the mortgage process and was terrified. They walked me through all of it.
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EG
Erica Gedling
★★★★★
I'm a first time home buyer and making this step was scary and fun at the same time. I work in mortgages, but to be on the other side, they made it smooth.
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JY
Jeffrey Young
★★★★★
I began working with Brad and Greg about 9 months ago when I was trying to leave my grandmother's house. First time home buyer and they got it done.
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MF
Michael Field
★★★★★
Brad and his entire team were amazing! I had no idea what I was doing when buying my first home and they answered all of my questions.
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TV
Tiffanie Verrecchia
★★★★★
Brad was so great to work with! From the initial pre approval, to a bidding war, to finally winning our house, he was there every step.
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CP
Saudia Peterson
★★★★★
As a first time home buyer 4 years ago Acre Mortgage was a perfect fit to my mortgage needs. Greg and Brad made this experience an excellent one and a very smooth process. Thank you!
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JJ
James M.
★★★★★
Was my first time buying a home and they were very helpful. Had some things to overcome to get final approval. They were there for me for it all. Thanks.
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TA
Taryn Adeyo
★★★★★
Great group, responsive, helpful and friendly during our process in securing a mortgage for our first home :)
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TC
Tamara Catoe
★★★★★
I had a great experience, me and my husband purchasing our first house together with Acre Mortgage. We are coming up on our first year anniversary in our home. Thanks.
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RM
Ron Miles
★★★★★
The team at Acre Mortgage was great. They helped ease first time homebuyer jitters with kind assistance every step of the way. Thanks Craig!
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TC
Tim Collins
★★★★★
Craig and the Acre Mortgage team made my first home purchasing experience stress free. I would recommend Craig and his team to anyone. Thanks Acre Mortgage.
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JJ
Joshua Jumper
★★★★★
Craig and the rest of the team were absolutely amazing. I just closed on my first home. I came into this a couple months ago not knowing anything about this stuff.
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BM
Brandon Morris
★★★★★
As a first time home buyer, Craig and Greg are the most amazing people to work with. They made the whole mortgage process completely stress free.
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KC
Kay Collins
★★★★★
As a first time home buyer I must express my sincere gratitude to Craig for his work in guiding me step by step through the process.
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LG
Lauren Gallagher
★★★★★
Drew and Ellie were SO helpful in working with my fiancé and I as we purchased our first home together! They made the process easy.
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JJ
JOHN Jones
★★★★★
From start to finish the process was seamless and everyone on the team was very professional. We had a lot of fun buying our first home. Easy to work with.
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KM
Kim Mcneill
★★★★★
Craig was really patient with me. I was kind of difficult being this was my first time buying a house. He really took the time with me.
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A real local loan officer, not a call center

I'm a licensed New Jersey mortgage loan officer based right here in South Jersey, and I'm NJHMFA-approved. I help first-time buyers in every one of New Jersey's 21 counties use these state programs — and because the assistance amount changes county by county, knowing your county's program cold is the whole job. When you fill out the form, you're talking to me or my team, not a national 1-800 number.