Talk to Our Team About Your New Jersey Move
Program and regulatory figures verified September 25, 2026. Details change; confirm your scenario with us.
Tell us where you are buying, what you are leaving behind, and roughly what it is worth. That is enough to start.
What helps us answer quickly
- The New Jersey county you are buying in, since it sets the conforming limit.
- Roughly what the departing home should sell for, since crossing $1,000,000 brings the Graduated Percent Fee onto your side of the ledger.
- The departing home's full payment, including taxes, insurance and any association dues.
- Whether the departing home is listed, under contract, or neither.
What happens next
Our team reviews it and reaches out shortly. We will tell you which of the three structures fits, roughly what the sale nets after the seller-paid fees, what the departing home does to your ratio, and what reserves to expect.
Before you call, the structures page and the New Jersey guide cover most of the ground. The fee question is on the seller-pays page.
Frequently asked questions
What information should I have ready?
The New Jersey county you are buying in, roughly what the departing home should sell for, that home's full payment including taxes and insurance, and whether it is listed, under contract or neither.
How soon will someone get back to me?
Our team reviews every New Jersey scenario and reaches out shortly, usually with a read on which structure fits, what the sale nets after the seller-paid fees, and what reserves to expect.
Do you lend across all of New Jersey?
Yes, statewide across all 21 counties. Note that the conforming loan limit differs: $1,209,750 in the twelve New York metro counties and $832,750 in the other nine.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal, tax, or real estate advice. New Jersey's Realty Transfer Fee and Graduated Percent Fee are administered by the New Jersey Division of Taxation and exemptions depend on your facts; your closing attorney, your CPA, and your real estate agent each handle their own part. Loans are subject to borrower and property qualification.