google housing partnership of morris county. they are located in dover.they helping me out so you may get all anwsers there. good luck. this town is very expensive, looking to stay here but i can not afford it also. but trying to stay close to my friends and relatives around.

In addition to HMFA, contact the Morris County Board of Social Services. Most NJ counties have an office that partners with private entities to provide down payment assistance for first time homebuyers. For example, in Ocean County, we have a program through Ocean, INC, which provides up to $10,000 for downpayment assistance. There are income requirements.

Laura Giannotta
Keller Williams Atlantic Shore

Hi Michelle -

This site is a great resource: http://www.state.nj.us/dca/hmfa/consu/buyers/

I specialize in homes in Essex, Union and Morris Counties, if I may be of any additional help in your home search please feel free to email me at: TracyFreeman@KW.com

Thanks,
Tracy

Hi Michelle,
We've attached a link for the New Jersey Housing and Mortgage Finance Agency. They have a number of special programs that are made available to home buyers in a variety of situations. We were able to take advantage of the First Time Buyers Mortgage Program when we bought our first home. Depending on your personal circumstances, the State of New Jersey may administer a program to fit your needs.
Let us know if we can assist you in choosing an area of New Jersey to settle down in. We'll be happy to help, and New Jersey will be happy to have you.

http://www.state.nj.us/dca/hmfa/consu/buyers/

Kind Regards,

Kelly & Con Hartnett

Hi Michelle,

Mendham? Quite the affluent area indeed. Try these:

http://www.nj.gov/dca/hmfa/home/news/2008/080710.html
http://www.state.nj.us/dca/affiliates/coah/index.html

I dislike COAH and all it stands for but ... since it exists so if your situation applies to the program then check it out. But ... there is a huge waiting list - so if you are trying to take advantage of that $8K this year, it's very unlikely that COAH will get you there in time.

Michelle, Here is an excellant site for you to sart with . It details 1st time buyer concerns by using questions and Answers. Good luck in your home search.

Your right there are things out there for you. Unfortunately I'm not in the NJ area, but let me know and I'll be happy to refer you to someone who can help you with all those things. There is lots out there available to you and to much to list on here. Feel free to email me at angela@angelakhill.com and I can email you back with some sites and also some referrals for your area who specialize in that whom you can contact at your convenience. Good luck.