New Jersey Housing and Mortgage Finance Agency

Lender Portal

HMFA Mortgage Schedule 

General Forms and Documents 

Truth-in-Lending Statements 

The new Initial and Final Truth-In-Lending (TIL) statements will be required when disclosing any DPA loan originated on or after June 1, 2019. These TILs will replace the current Loan Estimate (LE) and Closing Disclosure (CD) documents. The LE/CD will not be acceptable forms of DPA disclosure on the loans originated after the above referenced date. 

DPA Loans Originated Prior to June 1, 2019: If you have begun the transaction by issuing an Initial LE you must continue to use the LE/CD documents throughout the lending and closing process. These documents will continue to be available in the NJHMFA Lender Portal. 

First Time Home Buyer Program Documents 

Homeward Bound Program Documents 

New Jersey HomeSeeker Program Documents 

Smart Start Program Documents 

  • New Underwriting Submission Checklist – Updated November 2019 
    This New Underwriting Submission Checklist is available for use now. However, it will be required for all loan files submitted to the Agency on or after November 15, 2019. This checklist will replace all previously used underwriting submission checklists. This checklist and the documents listed therein should be furnished simultaneously with the documentation required for preclosing review. Please carefully follow the instructions provided within each document to ensure timely preclosing review of the loans delivered.  
  • DPA Closed Loan Submission Checklist
    This checklist and the documents listed therein should be furnished simultaneously with the documentation required for purchase review. Please carefully follow the instructions provided within each document to ensure timely processing. 
  • Smart Start Note
  • Smart Start Mortgage 
  • Underwriter Review Sign-Off Form  
  • HUD's List of New Jersey Certified Housing Counselors 
  • Initial Truth-in-Lending Statement 
  • Final Truth-in-Lending Statement 
    The new Initial and Final Truth-In-Lending (TIL) statements will be required when disclosing any DPA loan originated on or after June 1, 2019. These TILs will replace the current Loan Estimate (LE) and Closing Disclosure (CD) documents. The LE/CD will not be acceptable forms of DPA disclosure on the loans originated after the above referenced date. 

Police & Firemen's Retirement System Loan Program Documents 

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 must send an email to SFLenders@njhmfa.gov  to schedule training. 

 

 2020 Bulletins
December 29, 2020 Bulletin 2020-16: Updates to the Policy and Procedures (Seller’s Guide) for Participating Lenders
November 19, 2020 Bulletin 2020-15: Updates to the Temporary Credit Standard Changes Related to the COVID-19 National Emergency
October 29, 2020 Bulletin 2020-14: Mandatory Quality Control Training for Lenders
September 21, 2020 Bulletin 2020-13: Reverification of Employment
September 16, 2020 Bulletin 2020-12: Delivery of PFRS Loans
August 21, 2020 Bulletin 2020-11: Forbearance Guidance for New Loan Purchases
July 13, 2020 Bulletin 2020-10: Suspension of Refinance Transactions Under the PFRS Program
June 15, 2020 Bulletin 2020-9: Updated Income and Purchase Limits
May 27, 2020 Bulletin 2020-8: Upcoming Site Evaluator Changes
May 19, 2020 UPDATE Bulletin 2020-6: Temporary Credit Standard Changes Related to the COVID-19 National Emergency
April 29, 2020 Bulletin 2020-7: Forbearance Guidance for New Loan Purchases
April 28, 2020 Bulletin 2020-6: Temporary Credit Standard Changes Related to the COVID-19 National Emergency
April 3, 2020 Bulletin 2020-5: Electronic Delivery PFRS Loans
April 2, 2020 Bulletin 2020-4: Reverification of Employment, Appraisal, and Pest Inspection Updates Related to the COVID-19 National Emergency
March 24, 2020 Bulletin 2020-3: NJHMFA Single Family Loan Program Procedures During COVID-19 Modified Work Environment
March 17, 2020 Bulletin 2020-2: ILRS - Electronic Imaging Upload
February 5, 2020 Bulletin 2020-1: Renegotiation and Extension (R&E) Process
2019 Bulletins
December 20, 2019 Bulletin 2019-15: NJHMFA Seller's Guide Update - 2020
October 31, 2019 Bulletin 2019-14: NJHMFA ILRS - Electronic Imaging Upload Testing 
October 31, 2019 Bulletin 2019-13: NJHMFA Underwriting Submission Checklist Changes
October 11 , 2019 Bulletin 2019-12: NJHMFA FHA Condo Rules  
July 26, 2019 Bulletin 2019-11: NJHMFA Mortgage Schedule Form 101 and Partial Payments
July 19, 2019 Bulletin 2019-10: Update - HUD Mortgagee Letter 19-06 DPA FHA-Insured First Mortgages with Down Payment Assistance
July 16, 2019 Bulletin #2019-9: HUD Mortgagee Letter 19-06 DPA FHA-Insured First Mortgages with Down Payment Assistance
June 19, 2019 Bulletin #2019-8: Registration Policy Reminder- Police and Fireman's Retirement System Mortgage Program (PFRS)
May 31, 2019 Bulletin #2019-7: Reminder: New DPA Disclosure Process Takes Effect
May 31, 2019 Bulletin #2019-6: Updated Income and Purchase Limits
April 18, 2019 Bulletin #2019-5: New Lender Fee Guideline
April 17, 2019 Bulletin #2019-4: New DPA Disclosure Process
March 15, 2019 Bulletin #2019-3: Introducing our New Business Development Manager
February 1, 2019 UPDATED Bulletin #2019-1: Renegotiation and Extension (R&E) Process
January 17, 2019 Bulletin #2019-2: Updates to the Policy and Procedures For Participating Lenders (Seller’s Guide)
January 17, 2019  Bulletin #2019-1: Renegotiation and Extension (R&E) Process
2018 Bulletins
December 21, 2018 Bulletin #2018-15: Mortgage Purchase Agreement
December 7, 2018 Bulletin #2018-14: ILRS and MITAS Updates Complete
December 4, 2018 Bulletin #2018-13: ILRS and MITAS Offline Dates
November 1, 2018 Bulletin #2018-12: Fillable Documents Now Available Online
October 2, 2018 Bulletin #2018-11: Down Payment Assistance Program Funding Update 
September 6, 2018 Bulletin #2018-10: Reservation Confirmation Form Update
August 31, 2018 Bulletin #2018-9: "No Survey" Survey Endorsement
July 26, 2018 Bulletin #2018-8: NJHMFA First-Time Homebuyer Program Reminders
July 18, 2018 Bulletin #2018-7: NJHMFA/Principal Curtailments
June 27, 2018 Bulletin #2018-6: NJHMFA Approved Digital Signature Platform
June 27, 2018 Bulletin #2018-5: NJHMFA Pre-Closing Loan Review Timelines
June 22, 2018 Bulletin #2018-4: Post-Closing Checklists and Lender Process Step Reminders
June 5, 2018 Bulletin #2018-3A: NJHMFA First Time Homebuyer Program
June 5, 2018 Bulletin #2018-2A: Revised Lender Guidelines for the NJHMFA Down Payment Assistance Program (DPA)
May 25, 2018 Bulletin #2018-3: NJHMFA First-Time Homebuyer Program
May 25, 2018 Bulletin #2018-2: Revised Lender Guidelines for the NJHMFA Down Payment Assistance Program (DPA)
April 2, 2018 Bulletin #2018-1: HomeSeeker Re-Opens
2017 Bulletins
Dec. 20, 2017 Bulletin #2017-20: Good-bye Letters
Oct. 18, 2017 Bulletin #2017-19: Clearing Conditions for Loan Purchase
Sept. 27, 2017 Bulletin #2017-18: Non-Borrowing Spouse Signature, PUD Homeowners Insurance
Aug. 31, 2017

Bulletin #2017-17: Homeward Bound Purchase Review Submission Checklist

Aug. 29, 2017 Bulletin #2017-16: Temporary Suspension of the HomeSeeker Program
Aug. 23, 2017 Bulletin #2017-15: Non-Borrowing Spouse, Cash Back Limitations, Loan Registration
Aug. 16, 2017 Bulletin #2017-14: Lender Resources Page Reminder
Aug. 2, 2017 Bulletin #2017-13: HomeSeeker Closed Loan Submission Checklist
July 18, 2017 Bulletin #2017-12: Homeward Bound, HomeSeeker, Smart Start
June 28, 2017 Bulletin #2017-11: Recording and Closing Policy Reminders
June 16, 2017 Bulletin #2017-10: Registering Homeward Bound Loans with DPA
May 25, 2017 Bulletin #2017-9: Revised HomeSeeker Lender Guidelines
May 16, 2017  Bulletin #2017-8: Update to Recording Mortgage Documents
May 9, 2017 Bulletin #2017-7: LE, CD Forms for HomeSeeker, Smart Start Programs
May 5, 2017 Bulletin #2017-6: Power of Attorney Requests 
May 2, 2017 Bulletin #2017-5: Recording Mortgage Documents
April 21, 2017 Bulletin #2017-4: New Income Limits to Boost HomeSeeker Program
April 3, 2017 Bulletin #2017-3: HomeSeeker Program Now Accepting Loan Reservations
March 28, 2017 Bulletin #2017-2: Quality Control Release Form (17k PDF)
Attachment 1: Quality Control Release Form (41k PDF)
February 7, 2017 Bulletin #2017-1: New Police and Firemen's Retirement System Mortgage Program (PFRS) Interest Rate (34k PDF)