NJ Housing and Mortgage Finance Agency
New Jersey HOME Improvement Loan Program is available to homeowners in Washington, NJ.
Low-interest loan program for home repairs, rehabilitation, and improvements for income-eligible New Jersey homeowners. Loan terms up to 20 years with interest rates significantly below market rates.
Average loan amount for comprehensive home improvements
Official program page checked live on 2026-06-22.
Data last verified 2026-06-09. How we verify our data.
In Washington, NJ, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Washington, NJ can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Washington early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Subject to fund availability
Ask us. It is free, and a real person answers within a business day.
Email us about this programLoan up to $50,000.
New Jersey HOME Improvement Loan Program is open to homeowners in Washington, NJ.
Apply directly with NJ Housing and Mortgage Finance Agency using the official program link on this page or call (609) 278-7400. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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