NJHMFA Home Improvement Loan Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Low-interest home improvement loans for qualified New Jersey homeowners to repair, rehabilitate, or make energy efficiency upgrades. Funds can be used for a wide range of home improvements including roofing, HVAC, windows, and accessibility modifications.

Loan amount varies by project scope; estimate assumes typical renovation

Key Details

  • Low-interest loans up to $50,000
  • For owner-occupied homes in New Jersey
  • Income limits vary by county and household size
  • Covers roofing, HVAC, windows, accessibility, and more
  • Competitive interest rates and flexible terms

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Deadline: Ongoing, subject to funding availability

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