Path to Ownership

One-On-One Counseling (English & Spanish) Open or Close

Pre-purchase counseling is for clients who feel they are ready to purchase their first home. There are many factors to consider and be aware of before individuals and households make the decision to buy a home. CJHRC counselors provide comprehensive and customized pre-purchase counseling to their clients to make the home buying steps easier.

10 Steps of the Home Buyer Process

Budgeting Guidelines Cost of Living

Credit Release Authorization Form (to attain a tri-merge soft-pull full credit report)

Deed Restricted Lender List

Disclosure Statement – English

Disclosure Statement – Spanish

Monthly Budget Form

New Jersey Housing Resource Center (NJHRC)

NJHRC.gov Instruction Flyer

Pre-Approval Information

Pre-Purchase Document Checklist

Pre-Purchase Individual Counseling

Online Learning (English & Spanish): Make Your Move: A Guide to Homeownership Open or Close

This program is a combination of individual face to face and web-based homebuyer education. This program will prepare you for all aspects of the home-buying process. You will first need to meet with a CJHRC Counselor for face-to-face counseling, then you will take the online class. At the end of the program, you will receive a certificate that is good for one calendar year.

Pre-Purchase Virtual Webinar Open or Close

This webinar (5.5 hours total covered over 2 days) was developed to assist very low/low/moderate-income individual and households who are 3-36 months away from purchasing a home and wish to get comfortable with all components of the process. Virtual Webinars are offered throughout the year. For clients who are not available on the dates/times designated for the 2-day virtual webinar, they can register for CJHRC's one-on-one counseling or online learning.

2-Day Virtual Homebuyer Webinar

Affordable Housing Open or Close

Information about the State of New Jersey Very Low/Low/Moderate Income Program is contained in the links below. While there are no applications on the website, if you are looking to apply to a CJHRC property, please call 908-446-0036.

Affordable Housing Rules

Application Checklist

Attorney Information Form

Bernards Township, Somerset County, NJ Cedars and Society Hill Fact Sheet

CJHRC Purchase Application Overview – How CJHRC Processes Applications

CJHRC Purchase Properties

Deed Restricted Lender List

Documentation for Self Employed Applicants

Documentation for Property Owner

Homeowner/HOA Fees for Affordable Housing Units

Hunterdon County Resource Guide (purchase, rental and senior properties)

New Jersey Housing Resource Center (NJHRC)