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New Jersey

About Us

Since the inception of the New Jersey Housing Finance Agency (HFA) and the New Jersey
Mortgage Finance Agency (MFA) in the late 1960s, our focus has been on creating homes
for families seeking affordable rental housing; developing independent living for people with disabilities; providing a stable home for seniors on fixed incomes; and providing assistance to enable residents to buy their own homes.

More than three decades after the merger of these two highly specialized entities on  January 17, 1984, today’s streamlined New Jersey Housing and Mortgage Finance Agency is at the forefront of housing in the state through its loan financing and bond programs; mortgage, down payment and closing costs assistance; and the award of Low Income Housing Tax Credits to expand opportunities for housing that is affordable to our residents.

NJHMFA responds to the needs of its residents by implementing
creative programs and establishing partnerships that:

• Fund affordable home mortgages and workforce housing opportunities for first-time and urban home buyers
• Promote construction and rehabilitation of rental housing
 • Encourage mixed-income and owner-occupied housing as a means to stabilize urban neighborhoods
• Advance the growth and development of municipalities
• Contribute to the quality of life of older adults, the disabled and those with special housing needs
• Formulate and strengthen partnerships to foster the economic development of New Jersey

NJHMFA raises program funds by:
• Selling taxable and tax-exempt bonds to private sector investors in national financial markets • Administering the federal Low Income Housing Tax Credit (LIHTC) program for New Jersey
• Applying for and administering federal and state grants as well as housing assistance programs
• Developing cooperative relationships with county, municipal, not-for-profit agencies, foundations and the private real estate development industry

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NJHMFA's 2018 Production Numbers


Homebuyer Mortgages Funded


Special Needs Beds Created


Affordable Rental Apartments Financed


Households Provided Foreclosure Prevention Assistance

Cove on the Bay

Keansburg, Monmouth County

7000 Sq. Ft. of Retail and Restaurant Space

60% of Apartments are Affordable

Cove on the Bay

Unique, Concave Shape to Maximize Waterfront Views

Keansburg is on the rise again, and it started with Cove on the Bay.” 

Residence at Roosevelt

The Residence at Roosevelt Park

Edison, Middlesex County

85 affordable apartments

for seniors age 62 and older with easy access to transportation, shopping and healthcare in a historic setting.

Opened in 1937 

as the Middlesex County Tuberculosis Sanitorium, has been transformed through adaptive reuse as The Residence at Roosevelt Park.

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Camp Salute

Camp Salute

Clayton, Gloucester County

76 affordable apartments

with half occupied by veterans and their families. Residents include veterans of the Korean and Vietnam wars and Afghanistan.

I love it. I was trying to keep life as normal as possible,”

says Army and National Guard veteran Tangelik Jennings, who was in need of a home with her two young sons after a separation. “To have your own place for your kids and still be able to provide for them – how do you measure that?”

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280 Park Place

280 Park Place

Irvington, Essex County 

88 Affordable Apartments

provide homes for families, strengthening the neighborhood and encouraging a vibrant community to continue to grow

It’s a new beautiful building, 

"and I just wanted to live in something updated,” said resident Iretha Wiggins. “I had been living in older homes for years. 280 had what I wanted at an affordable price.”

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Our Programs

Fighting off foreclosure

Fighting Off Foreclosure

As a homeowner, it’s difficult to plan for unexpected repairs or life events. NJHMFA is not only committed to helping homebuyers get their first home, but to also remain in the home long after closing.

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Making Homebuying a Reality

Making Homebuying a Reality

Investing in your own home provides not only financial gains, but allows homeowners to build wealth. This equity is also an
asset that can be passed down to other family members.

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Partnering for Special Needs

Partnering For Special Needs

With New Jersey’s high housing costs and limited funding resources, it can be a challenge for individuals with special needs to find housing in the community. Fortunately, NJHMFA has the SNHPLP created to help integrate residents with developmental disabilities across the state.

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NJHMFA Hospital Partnership

Numerous studies have shown a correlation between housing and health. Where and how people live is known to affect their well-being. Permanent Supportive Housing (PSH) not only helps improve the quality of life and health of frequent emergency room users - often those who are homeless - but also help hospitals save significantly in avoided ER and in-patient costs.

How the NJHMFA Hospital Partnership Subsidy Pilot Program Works

Hospital Partnership

Awards and Recognitions

NJ Future honored two NJHMFA-financed affordable housing developments with its 2018 Smart Growth Awards, which recognize the best in smart planning, development and sustainable growth in New Jersey. The winning developments are:

Union Eagle Senior Apartments

Union Eagle Senior Apartments in Bordentown, developed by Mission First Group, combined a repurposed historic former factory with new construction to provide apartments for seniors in an area targeted for redevelopment, including five set aside for homeless veterans.

Harvard Printing Company in Orange, developed by the Alpert Group, is a 128-unit mixed-income transit village project that involved new construction and as well as the rehabilitation and adaptive reuse of an existing historic, four-story art deco factory building into a parking garage.

Harvard Printing Company

In 2018, Mid Atlantic Real Estate Journal recognized Bayshore Village, in Middletown, developed by Community Investment Strategies, as a Best Green Project of 2017, and 540 Broad Street, in Newark, developed by L+M Development Partners, as Best Historic Preservation Project.

The New Jersey Historic Preservation Awards, sponsored by the New Jersey Department of Environmental Protection’s Historic Preservation Office and New Jersey Historic Sites, recognized the Hahne & Company Building in Newark, developed by L+M Development Partners, which involved the adaptive reuse of a historic landmark former department store into a mixed-income, mixed-use development. 

National Affordable Housing Management Association (NAHMA)
honored NJHMFA with two Vanguard Awards:


Major Rehabilitation of a Nonhousing Structure: Union Eagle Senior Apartments


Small Property (less than 100 units):
The Branches at Centerville in Camden provided 50 affordable apartments inthe first phase of a multi-part project to replace an obsolete public housing complex

Franklin Lakes Supportive Housing was recognized by the Supportive Housing Association of New Jersey (SHA NJ) with its Supportive Housing Project Award. The project involved the construction of 40 apartments for special needs residents. SHA NJ also awarded its Supportive Housing Municipal Award to the City of Hoboken and Mayor Ravinder Bhalla for the American Legion Veterans Affordable Housing development, which involved new construction of a building on the American Legion site to provide six apartments for homeless veterans and was financed in part by NJHMFA’s Sandy Special Needs Housing Fund.

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By providing your contact information, you agree to receive correspondence from the New Jersey Housing and Mortgage Finance Agency.


637 S. Clinton Ave.
Trenton, NJ 08650


Phone: 1-800-NJHOUSE