: This specific lender no longer accepts new business from new customers but continues to support existing borrowers with product transfers and further advances.

: Eligible buyers can receive up to $22,000 as an interest-free, five-year forgivable second loan to cover closing costs and down payments.

: Provides loans to very-low-income homeowners in rural areas for critical repairs or to remove health and safety hazards. Jersey, Channel Islands: Mortgage Environment

: The New Jersey Housing and Mortgage Finance Agency (NJHMFA) offers a Homeward Bound program which provides a competitive 30-year fixed-rate mortgage.

: Offers interest-free loans up to $25,000 with no monthly payments; the loan is only repaid when the house is sold.