NJHMFA Home Improvement Loan Program

New Jersey Housing and Mortgage Finance Agency

Available Home Repair

About This Program

Low-interest home improvement loans for income-qualified New Jersey homeowners to finance necessary repairs, improvements, and accessibility modifications. Rates significantly below market with terms up to 20 years.

Low-interest loan with flexible repayment terms based on income

Key Details

  • Low-interest loans up to $50,000
  • Income limits vary by county (typically up to 80% AMI)
  • Terms up to 20 years available
  • Covers repairs, improvements, accessibility modifications
  • Apply through approved lenders

How to Apply

Get free help applying Visit Official Program Page Track this program

(609) 278-7400

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

Deadline: Ongoing program

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