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New Jersey Housing & Mortgage Finance Agency


New Jersey Housing & Mortgage Finance Agency

New Jersey Housing & Mortgage Finance Agency

Trenton, New Jersey

Our Mission

The People We Serve:
  • The New Jersey Housing and Mortgage Finance Agency (HMFA) provides funding for affordable home ownership and housing opportunities for New Jersey residents.

Our Expertise:

HMFA responds to the needs of its residents by implementing creative programs and establishing alliances that:
  • fund affordable mortgages for first-time homebuyers;
  • promote construction and rehabilitation of rental housing;
  • encourage mixed-income, owner-occupied housing growth as a means to stabilize urban neighborhoods;
  • advance the economic growth and development of municipalities;
  • contribute to the quality of life of older adults, the disabled and those with special housing needs;
  • formulate partnerships to foster the economic development of New Jersey and the personal development of its residents.

Our Resources:

HMFA raises program funds by:
  • selling taxable and tax-exempt bonds to private sector investors in national financial markets;
  • applying for and administering federal and state grants and housing assistance programs; and
  • fostering cooperative relationships with state, municipal, not-for-profit agencies and foundations.
The New Jersey Housing and Mortgage Finance Agency does not rely on any direct funding from the state Treasury to meet its core operating or administrative expenses. The HMFA does rely on progressive federal and state housing legislation to contribute to the vitality of the state's economy and the quality of life of its residents.

The hard work of the New Jersey Housing and Mortgage Finance Agency (HMFA) staff and their dedication toward increasing housing opportunities for New Jersey families have filled this web site with valuable information on the many useful programs offered by HMFA. We offer detail into each of our divisions' activities and demonstrate how, by working as a team, we are able to provide products and services that enhance the quality of life in New Jersey. We know that behind every one of our programs there are real families and real neighborhoods benefiting from the work we do.

HMFA aggressively pursues new ways to enhance housing opportunities, building the foundation for New Jersey's long-term economic security. Even more important is how these programs assist hard-working families and individuals in achieving the goal of homeownership, and provide funding to increase New Jersey's stock of affordable rentals.

HMFA offers a generous benefit package that includes: health, dental, prescription, vision, life and long term disability; tuition assistance for both undergraduate and graduate studies; pension and deferred compensation plans; extensive holiday, vacation, personal and sick leave packages; and flexible working hours.

The HMFA is an equal opportunity employer and does not discriminate on the basis of race, religion, national origin, color, sex, sexual orientation, age, or disability in admission or access to the operation of its programs, services, activities or its employment practices. It is our intention that all qualified applicants be given equal opportunity and that selection decisions be based on job-related factors.

For more information, please contact:

New Jersey Housing & Mortgage Finance Agency
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