www.nj-hmfa.com-has the program you need. Depending on your income you can obtain 20k-also if you are making the home energy efficient there is a 16k with very low rate by the state of nj...let me know how it work!
You can do it at any time ... just contact any FHA lender. I do them frequently. Very simple. No waiting. No appraisal. No costs. (The lender picks up the costs, which are minimal) No appraisal. No W-2 forms etc. takes about a week.
201 741 5269
Residential Home Funding... more