NJHMFA Home Improvement Loan Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Below-market interest rate loans for home improvements to qualified New Jersey homeowners. Funds can be used for repairs, accessibility modifications, energy efficiency upgrades, and major systems replacement.

Loan amount based on creditworthiness and project scope, typically 3-5% interest

Key Details

  • Below-market interest loans up to $25,000
  • Income limits vary by county (typically up to 120% AMI)
  • Fixed-rate financing for qualified repairs and improvements
  • Available through participating lenders statewide
  • Can be combined with other programs

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Deadline: Rolling basis through participating lenders

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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