NJHMFA Home Improvement Loan Program

About This Program

Low-interest home improvement loans for owner-occupied properties in New Jersey. Funds can be used for repairs, renovations, or improvements to make homes safer, more livable, or more energy efficient.

Below-market interest rate loan, typically 3-4% APR

Key Details

• Low-interest loans up to $50,000
• Income limits vary by county (typically 80-120% AMI)
• Must be owner-occupied in New Jersey
• Competitive interest rates (3-4% typical)
• Apply through participating lenders

How to Apply

A grant-savvy contractor in Dover, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Rolling applications through approved lenders