In NJ there are several programs avail for buyers. Most are income related. Credit score would have to meet particular guidelines also.
These programs are offered thru most of the banks or mtg co's.
Smart Start, USDA(federal program), Live where you work, and VA
The Wells Fargo program with out knowing the exact particulars is for first time home buyers and those with not so perfect credit scores that may still qualify for a loan.
If you need assistance with these programs and would like me to put you in touch with a good banker just contact me directly
Search foreclosures and short sale here: http://www.BuyNJShortSales.com
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Larry Sarlo When you want it Sold Fast!
609-868-1171 call / text / email 7 days
415 Egg Harbor Rd st 9 Turnersville, NJ 08080