Mortgage loans in New Jersey
Justin Mackler is licensed to originate home loans in New Jersey. Here is how a New Jersey loan works with him, which programs are available, and a few state rules worth knowing.
How a New Jersey loan works with Justin
- Talk it through by phone or with the short form.
- Apply online at the secure application, upload documents, and sign disclosures electronically.
- A local appraiser and a New Jersey title or closing professional handle the appraisal and title work.
- New Jersey purchases usually involve attorneys for both sides, starting with the three-day attorney review period.
Loan programs available in New Jersey
- Conventional loans
- FHA loans
- VA loans
- USDA loans
- Jumbo loans
- Refinance and cash-out loans
- Investment and DSCR loans
Availability depends on the property, credit, income, and each program's guidelines. Compare all loan programs.
NJHMFA's First-Time Homebuyer Mortgage Program pairs a 30-year fixed first mortgage with forgivable down payment assistance, subject to county income limits and use of a participating lender. New Jersey Housing and Mortgage Finance Agency (NJHMFA)
New Jersey details to know
- Residential sale contracts prepared by real estate licensees in New Jersey include a three-day attorney review period, not counting weekends or legal holidays, during which either party's attorney may disapprove the contract. Source: NJ Supreme Court: Conley v. Guerrero (2017)
- New Jersey's realty transfer fee is the seller's responsibility. Since July 10, 2025, sellers of residential property over $1 million also pay a graduated fee starting at 1% and rising to 3.5% above $3.5 million. Source: NJ Division of Taxation: Realty Transfer Fee
- Twelve northern and central New Jersey counties, including Bergen, Essex, Hudson, Middlesex, Monmouth, Morris and Ocean, have a 2026 one-unit conforming limit of $1,209,750. Source: FHFA 2026 county loan limit list
Last reviewed 2026-10-29.
Tell Justin about your New Jersey purchase or refinance and he will follow up with real options.
New Jersey mortgage questions
Can Justin Mackler help with a mortgage in New Jersey?
Yes. Justin Mackler (NMLS# 1648112) is licensed to originate mortgage loans in New Jersey through United Direct Lending, Company NMLS# 1749719. You can confirm both licenses on NMLS Consumer Access.
Do I need to meet in person to get a loan in New Jersey?
No. The application, documents and disclosures are handled by phone and online from Justin's Boca Raton office. The closing itself takes place in New Jersey with a local closing professional, as state rules require.
What is attorney review in New Jersey?
After a realtor-prepared contract is signed and delivered, there is a three business day attorney review period. During that time either party's attorney can propose changes or disapprove the contract.
Who pays New Jersey's mansion tax now?
Since July 10, 2025, the seller pays the realty transfer fee and the graduated fee on residential sales over $1 million. Buyers no longer pay the former 1% mansion tax on these sales.
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Share your goal, price or loan amount, credit range, timeline, and your New Jersey property, and Justin will follow up personally with real options. Sending the form does not run your credit and is not a rate quote.