Buying your first home in NJ doesn’t have to feel impossible. With an FHA loan, you can qualify with a smaller down payment and more flexible credit requirements.
The Federal Housing Administration backs these loans, giving lenders more confidence to approve buyers with limited savings or less-than-perfect credit.
Yes. FHA allows gifts from family or approved sources.
Yes — limits vary by county. For example, Bergen and Hudson counties often have higher limits due to home prices.