The New Jersey Housing and Mortgage Finance Agency (HMFA) is dedicated to increasing the availability of and accessibility to safe, decent and affordable housing to families in New Jersey. In some cases this may mean working with traditional affordable housing developments, serving New Jersey's most needy families. In other instances it is working with First-Time Homebuyers, senior citizens, and/or the disabled in our special needs communities. In every situation HMFA is committed to make quality housing available at costs affordable to New Jersey residents.

HMFA recognizes that housing is developed within a community context. If we are to build strong quality houses we must also work to create healthy, safe and vibrant communities. It is clear that housing and families both influence and are influenced by the communities in which they reside. To this end HMFA works to insure that our investments leverage existing community resources and enhance market value and community well being.