Exclusive Affinity Programs for NJ Public Servants
We proudly support New Jersey’s dedicated employees and first responders through special programs:
✅ NJ State Employee Affinity Program
Receive a $1,000 credit toward closing costs for all NJ state employees.
✅ Police & Fire Mortgage Program
Citizens celebrates first responders in our community!
In partnership with the NJ Housing Mortgage Finance Agency (NJHMFA) and the Police and Firemen’s Retirement System (PFRS), we offer an affordable mortgage program designed to make homeownership easier for those who protect our communities.
Program Highlights:
Below-Market Interest Rate
Current example: 5.35% for a 30-year fixed mortgage
Lower Down Payment Requirement ( 15% Minimum )
Less cash upfront means you can move into your new home sooner.
Eligibility Requirements:
Must be a member of PFRS
Purchase a primary residence (one- or two-unit property) in New Jersey
Meet loan limit guidelines and credit/debt-to-income requirements
Whether it’s your first home or your next home, this program was designed just for you!
Ready to Get Started?
Let’s make your dream of homeownership a reality.
📞 Call me today or 📧 email me to learn more about these exclusive programs and how I can help you every step of the way.
New Jersey is a wonderful place to live, and choosing to buy or build a home here couldn’t be better. While financing a home is something that most people do only a few times in their lives, helping people achieve their dream of homeownership is my passion.
I have years of experience as a residential mortgage loan officer and am very knowledgeable about a variety of loan programs. Whether you’re a first-time homebuyer or a seasoned homeowner, I’ll walk you through the mortgage process and answer your questions, big or small.
Throughout my career, I’ve helped my clients secure the financing they need to purchase, renovate, build, or refinance their dream home. Because my business is built on referrals, my goal is to make your mortgage experience a great one!