Serving New Jersey Homebuyers · NJHMFA Program Guidance
Get up to $22,000 from the State of New Jersey toward your first home.*
Most renters have no idea this money exists. It may help cover your down payment and closing costs so you can buy without draining all of your savings.
- Up to $22,000 toward down payment and closing costs through eligible NJHMFA programs*
- You do not need 20% down to buy your first home
- Find out in minutes whether you may qualify, no obligation
Free 60-Second Assessment
See if you qualify for up to $22,000*
Question 1 of 7
What's your current housing situation?
🔒 Secure. Checking eligibility does not affect your credit score. We will never sell your information.
$22,000
Max assistance available
$0
Monthly payments on eligible assistance*
3%
Down payment options exist*
How the money actually works
New Jersey set these programs up to help eligible first-time buyers get into a home. Here's the simple version.
1
You check eligibility
A quick conversation helps determine which NJHMFA and applicable county programs may fit based on income, county and homebuyer status.
2
Eligible assistance is applied
Qualified buyers may receive assistance toward eligible down payment and closing costs, subject to the applicable program terms.*
3
You buy your home
Sean and his team can help pair eligible assistance with the appropriate mortgage financing and guide you through pre-approval and purchase.
Real homebuyers. Real experiences.
A few words from buyers and partners who worked with Sean Kenny.
Jesenia P.
Sean was an absolute pleasure to work with! Being a first time home buyer comes with many questions and times of uncertainty throughout the process. Sean made this so seamless for us, answered all of our questions at anytime, and communicated all the details needed for us to be informed. We honestly don't know if we would've done this without him! Thank you Sean for your hard work and dedication throughout this process!
Verified CMG testimonial
Kevin
Sean was nothing less than perfect. He was very patient, informative and understanding to any questions I had asked. Anytime I needed answers, he explained the process thoroughly. As a first time home buyer I couldn't ask for a better experience. He not only keeps you in the loop with every step in the process but he also shows that he really cares while always keeping your best interest in mind.
Verified CMG testimonial
Kassandra G.
Sean was our rock throughout this entire process. From January 2024 until now, he was nothing short of knowledgeable, consistent, reliable ANYTIME, transparent and simply on our side. He is the reason why we went with CMG Financial, and we will 110% continue to work with him on future transactions.
Verified CMG testimonial
Stefania G.
We met Sean in June of 2024 at an open house. We already had a loan officer we were working with but we wanted to explore other options and I'm so happy that we did. Sean had great energy from the day we met him till closing and even after. Having Sean in our corner from start to finish truly kept me sane. He went above and beyond every step of the way.
Verified CMG testimonial
Joann F.
He was awesome and there until the end. He made me feel as though I was a queen the way he was persistent. I will never forget his royalty.
Verified CMG testimonial
Engel P.
Fantastic loan officer, very responsive and professional. Super friendly and easy to work with. Thanks for all your help my friend looking forward to doing more business in the future!
Verified CMG testimonial
Alicia A.
Sean is a dedicated lender who truly goes above and beyond for his clients. He's always available — whether it's a late-night call or an early-morning question — and that level of responsiveness makes all the difference when securing a deal. It's been an absolute pleasure working with him, and I highly recommend Sean Kenny to anyone looking for a reliable, knowledgeable, and responsive lender.
Verified CMG testimonial
A real New Jersey loan officer, not a call center
Sean Kenny is a New Jersey mortgage loan officer who works with homebuyers across the state. He can help explain applicable NJHMFA programs, assistance guidelines and mortgage options based on your individual situation. When you complete the assessment, you're connecting with Sean and his team — not being routed to a national 1-800 call center.
Sean Kenny · Loan Officer · CMG Home Loans
NMLS #593206 · Branch NMLS #2477715
(862) 221-1026 · skenny@cmghomeloans.com