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Note: This single link will work for those working with Single Family and Low Income Housing Tax Credits.   

Policy and Procedures for Participating Lenders

Known as the "Seller's Guide" - EFFECTIVE February 25, 2025

First Time Home Buyer Program Documents 

• Lender Submission Checklist  - Effective Date 07.24
• Lender Underwriter Review Verification Form (URV) - Effective Date 10.23
• Lender Post-Closing Submission Checklist  - Effective Date 07.24
• Recapture Tax Disclosure - Effective Date 06.24
• Mortgagor's Affidavit  - Effective Date 06.18
• Property Seller's Affidavit  - Effective Date 06.18
• HMFA 1- 4 Family Tax Exempt Financing Rider  - Effective Date 01.25
• HMFA Mortgage Schedule pdf - Effective Date 01.25
  • HMFA Mortgage Schedule Example - Effective Date 01.25
• Assignment of Mortgage - Effective Date 09.24
• Renegotiation and Extension (R&E) Process and Form  - Effective Date 04.23
• Quality Control Release and Authorization to Re-Verify - Effective Date 08.13
• Purchase Price and Income Limits State - Effective Date 05.24
• Purchase Price and Income Limits Urban Target Area  - Effective Date 05.24
• Custodial Certification Form - Effective Date 01.25– Complete when submitting collateral and trailing Documents

Homeward Bound Program Documents  (MBS and TB)

• Lender Submission Checklist  - Effective Date 07.24
• Lender Underwriter Review Verifiication Form (URV) - Effective Date 10.23
• Lender Post-Closing Submission Checklist  - Effective Date 07.24
• HMFA Mortgage Schedule pdf - Effective Date 01.25
  • HMFA Mortgage Schedule Example - Effective Date 01.25
• Assignment of Mortgage - Effective Date 09.24
• Authorization to release Information-QC Form - Effective Date 10.23
• Renegotiation and Extension (R&E) Process and Form  - Effective Date 04.23
• Quality Control Release and Authorization to Re-Verify - Effective Date 08.13
• Homeward Bound Program Income Limits - Effective Date 05.24
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• Custodial Certification Form - Effective Date 01.25– Complete when submitting collateral and trailing Documents

HFA Advantage Program Documents

• Lender Submission Checklist - Effective Date 07.24
• Lender Underwriter Review Verification Form (URV) - Effective Date 10.23
• Lender Post-Closing Submission Checklist - Effective Date 07.24
• HMFA Mortgage Schedule pdf - Effective Date 01.25
  • HMFA Mortgage Schedule Example - Effective Date 01.25
• Assignment of Mortgage- Effective Date 09.24
• Renegotiation and Extension (R&E) Process and Form - Effective Date 04.23
• Quality Control Release and Authorization to Re-Verify - Effective Date 08.13
• HFA Income Limits - Effective Date 05.24
• Custodial Certification Form - Effective Date 01.25– Complete when submitting collateral and trailing Documents

Smart Start/Down Payment Assistance (DPA) Agency Documents and DPA Amounts

The NJHMFA Smart Start Program is the Down Payment Assistance (DPA) Program. It provides qualified buyers with up to $22,000 based upon the county of the purchase property and use of the First Generation Program. Lenders must enter the DPA amount on all of the Smart Start DPA documents.

The Smart Start Plus First-Generation Program became effective October 20, 2023.The Smart Start Plus First-Generation Program requires all borrowers to sign an affidavit attesting to their eligibility as a First-Generation buyer.

• Lender Submission Checklist  - Effective Date 07.24
• Lender Underwriter Review Verification Form  (URV) - Effective Date 10.23
• Down Payment Assistance Disclosure - Effective Date 10.23
• Final Truth In Lending Statement (DPA) - Effective Date 10.23
• Smart Start/DPA Note - Effective Date 10.23
• Smart Start/DPA Mortgage - Effective Date 09.23
• First-Generation Borrower's Affidavit - Effective Date 09.24
• FHA Smart Start Award Letter - NJHMFA Underwriter will upload the document for the Lender to the Lender Portal if applicable.
• HMFA Mortgage Schedule pdf - Effective Date 01.25
  • HMFA Mortgage Schedule Example - Effective Date 01.25
• Smart Start Plus First-Generation Home Buyer Program Fact Sheet - Effective Date 08.24
• Smart Start Plus First-Generation Home Buyer Program Lender FAQs Sheet - Effective Date 08.24
• Custodial Certification Form - Effective Date 01.25– Complete when submitting collateral and trailing Documents

Police & Firemen's Retirement System Loan Program Documents 

Please note all of the PFRS program documents can be found in the Lender Portal.

• NJHMFA Lender Submission Checklist - PFRS  - Effective 11.23
• NJHMFA Lender Underwriter Review Verification Form (URV) - Effective Date 10.23
• PFRS-001: Non-Assignability Statement and Disclosure To Non-PFRS Members Who Sign The Mortgage
• PFRS-002: Mortgage Rider
• PFRS-003: Loan Applicant’s Certification
• PFRS-004: Lender Certification
• PFRS-005: Verification Of Membership In PFRS
• PFRS-006: Notice To Applicant Of Potential Adverse Tax Consequences
• PFRS-007: PFRS Statutory Requirements Disclosure (Loan Estimate)
• PFRS-008: PFRS Statutory Requirements Disclosure (Closing Disclosure)
• PFRS-009: PFRS Loan Purchasing Transmittal
• PFRS-010 PFRS Assignment of Mortgage Template

Single Family Program Highlights Tool - July 2024

New to the Site Evaluator? Learn more.

​Approved Participating Lender's staff shall complete all required NJHMFA training, and any training required by any Agency authorized designee and/or vendor, prior to being authorized to originate loans. The Participating Lender can download a copy of the monthly training schedule in the lender portal, located on the main page under the tab "Lender Forms and Documents". 

• Guidance on Discrimination in Home Appraisals Under the New Jersey Law Against Discrimination
• Email the New Jersey Division of Consumer Affairs

NJHMFA 2025 Holiday Calendar