HomeReady Program

Sometimes home ownership seems like nothing more than a distant dream but we can make I happen.

• Interest rates comparable to conventional loans
• Down payments as low as 3% of the home’s value
• Down payment assistance programs also may be available
• Reduced mortgage insurance requirement
• Qualify with income from rentals or from someone who lives with you but isn’t a borrower
• Use down payment and closing cost sources like gift funds and down payment assistance programs
• Life of Loan homeownership education and counseling available
• Maximum income and loan amount limits apply (varies by location, only offered in the state of New Jersey)