01Buy Your First Home
Know your budget before you tour a single home.
A first-time buyer plan for North Jersey: your real monthly payment with town taxes, the down payment help you may qualify for, and the New Jersey steps from pre-approval to keys.
Start here
Three short reads that answer the questions first-time buyers ask us most.
Mortgage and Affordability
Run the numbers with your town's real tax rate. Switch to What can I afford to work back from a monthly payment.
$15,000 to $22,000
you may qualify for down payment help in New Jersey.
Check your potential eligibility
Buyer readiness: 8 questions
Find out where you stand on credit, savings, income and timing. You get a stage and a three step plan, never a score.
The New Jersey buying process
From pre-approval to keys. Tap a step to see what happens and what to prepare.
What changed for NJ buyers
2026 FHA loan limits
The most an FHA loan can be in our six counties, by number of units. Check a price against it.
More buyer tools
Free, NJ-specific and private. Everything runs in your browser.
Proof
Real reviews from first-time buyers and homes we helped buyers close on.
Stop Paying Your Landlord's Mortgage Free
FAQ
Plain answers for New Jersey. General information, not legal or financial advice.