NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program

NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program هو رهن عقاري أول لمشتري المنازل في New Jersey، وتديره New Jersey Housing and Mortgage Finance Agency (NJHMFA). A special first-mortgage program funded by the Police and Firemen's Retirement System of New Jersey (PFRSNJ) and administered by NJHMFA. It offers active, currently-employed police officers and firefighters who are PFRS members with at least one year of creditable service a below-market fixed-rate mortgage to purchase a one- or two-family residence or condominium in New Jersey. The interest rate is set twice a year (February and August) at the 10-year Treasury bill plus 1%. Loans are originated through NJHMFA-approved participating lenders, for purchase transactions only. Below-market fixed rate (10-year Treasury + 1%, reset Feb and Aug). Funded by the PFRS pension fund for NJ police and firefighters. Purchase of 1-2 family homes and condos in NJ. No first-time homebuyer requirement (25% of funds reserved for first-time buyers). Secondary financing permitted per Fannie Mae guidelines. يأتي التمويل من Police and Firemen's Retirement System of New Jersey (PFRSNJ) pension fund; administered by NJHMFA.

NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها New Jersey Housing and Mortgage Finance Agency (NJHMFA). يُستحق السداد عند Entire loan plus accrued interest due on the 120th day after borrower sells or ceases to occupy as principal residence; mortgage not assumable. تُسجَّل المساعدة في مرتبة الرهن: First. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. شرط الإقامة: Property in NJ; occupy as principal residence within 120 days of closing. Borrower must be a currently employed police officer or firefighter who is a PFRS member with at least one year of creditable service (N.J.S.A. 43:16A-1 et seq.). Max LTV 85%; max mortgage = Fannie Mae conforming limit (landing page cites $766,550, a 2024 figure that may be stale). Mortgage is NOT assumable; entire balance plus accrued interest is due on the 120th day after the borrower sells or ceases to occupy as principal residence. NJHMFA standard DPA cannot be combined with PFRS. Tax risk: relies on a counsel opinion that loans are not taxable pension distributions. Loan term (30-year) appears on the landing page but not the fact sheet. MI required if down payment under 20%.

يضع NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program حدًا لسعر الشراء على النحو التالي: No stated max purchase price; max mortgage = Fannie Mae conforming limit (excluding high-balance/jumbo); landing page cites $766,550. Max LTV 85%. تشمل أنواع العقارات المؤهلة Single Family، 2-4 Unit، Condo وVacant Land for Construction. المنازل حديثة البناء مؤهلة.

يذكر NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program ضباط إنفاذ القانون ورجال الإطفاء ضمن الفئات التي يخدمها. البرنامج مقتصر أيضًا على موظفي Currently employed police officer or firefighter who is an active PFRS member with at least one year of creditable service. ذِكر فئة هنا يعني أن البرنامج يذكرها، لا أن الانتماء إليها وحده يجعل المتقدم مستوفيًا للشروط؛ إذ تظل بقية قواعد الأهلية سارية.

يخدم NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program مشتري المنازل الذين يشترون في أي مكان في New Jersey.

تُقدَّم طلبات NJHMFA Police and Firemen's Retirement System (PFRS) Mortgage Program عبر New Jersey Housing and Mortgage Finance Agency (NJHMFA)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Originated/reserved through NJHMFA-approved participating lenders. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.