Live Workshop · Wed, Nov 18 · 6:30 PM ET
The $22K NJ Homebuyer Workshop
How NJHMFA down payment assistance actually works — the four gates, the traps nobody warns you about, and live Q&A. No fluff.
What You'll Learn
How the $15K–$22K breaks down — $15,000 in Monmouth, Ocean, Middlesex, Somerset, and Mercer counties, plus up to $7,000 more for first-generation buyers.
Why it's 0% with no monthly payment — and what happens to the loan if you sell or refinance inside five years.
The four gates that decide if you qualify — income limits, purchase-price limits, 620+ credit with two open tradelines, and first-time buyer status.
The traps nobody warns you about — then live Q&A where you can ask about your own numbers.
Show up live and you'll get the Four Gates Checklist — the one-page worksheet that shows exactly where you stand on all four qualification gates. Live attendees only.
YOUR HOST
— Craig LaBruno
The Blue Collar Lender
I'm Craig LaBruno, The Blue Collar Lender. For 24 years I've helped New Jersey first-time buyers — especially working families — get into homes with programs like NJHMFA. I'm not reading you a government pamphlet. I'm showing you how this actually works, traps and all. NMLS #242811, Guaranteed Rate Inc.
WHAT BUYERS SAY
★★★★★
Craig was extremely helpful during my whole house purchasing experience. Now a few weeks post purchase he still checks in every once in a while to make sure we are doing alright. I look forward to when the rates come down and we are able to use Craig to refinance.
— JOHN R
★★★★★
If it was not for Craig i would have never been in my brand new dream home. I never thought it was possible. Craig worked with and steered me every-step of the way towards my goal! I am living the dream because of this guy!!! There are good people left in the world who want to help others!!! Craig is definitely one!!
— SHANNON B
★★★★★
From the first time I talked to Craig on the phone he and his team have been lights out. Whenever you need something or have a question, they are on it. They are a one stop shop and I would recommend them to anyone that wants an experience that most deserve but never get from competitors.
— CHAD D
Got Questions?
We've got answers
Wondering if this workshop is for you? These are the questions I hear most — bring the rest to the live Q&A
Is this really "free money"?
Not quite. It's a 0%-interest second mortgage that's forgiven after five years. Live there five straight years and you never pay it back. Sell, refinance, or move out early and the full amount comes due — no proration.
What credit score do I need?
620 minimum, plus two open tradelines with 12 months of history. Under 660, your debt-to-income ratio caps at 45%.
What happens if I sell before the five years are up?
The assistance comes due in full from your sale proceeds. There's also a possible federal recapture tax if you sell or refinance within nine years — talk to your tax person.
Is this a sales pitch?
No. It's education. If you want your numbers run afterward, you can book a call — that's optional.
What should I bring?
Just your questions. It's live Q&A, so bring your numbers if you want them addressed.
See if NJHMFA can work for you.
Join us live on Wednesday, November 18 at 6:30 PM ET.
Copyright 2026. Guaranteed Rate Inc. All Rights Reserved.
NMLS License #2611 - For licensing information, go to: www.nmlsconsumeraccess.org
Craig LaBruno NMLS: 242811
(201) 927-8486
Powered by LeadBridge Solutions