First-time buyers · New Jersey
First-Time Home Buyers in New Jersey
Buying your first home in New Jersey is a big step. I'll walk you through each part in plain English, from pre-approval to closing day.
First home? See your options in about a minute. No credit pull.
Start Your 60-Second QuoteYour first-time buyer roadmap
- Talk it through: budget, timing and goals. No credit pull for the first conversation.
- Get pre-approved so you know your price range and sellers take your offer seriously.
- Check for help: NJ down payment assistance programs may help eligible buyers.
- Find an agent who knows your area.
- Make an offer, lock in and close. I keep you updated at every step.
Loan options first-time buyers often use
- FHA loans with flexible credit guidelines
- Conventional loans, including low down payment options
- VA loans for eligible veterans and service members
- USDA loans in eligible areas
Free resources
Download the free NJ first-time buyer guide, try the mortgage calculators, or see which loan fits you.
Why a mortgage broker? How lender choice helps →
Every loan is subject to credit approval, property eligibility and the lender's guidelines. Programs and terms change; I'll confirm what's available for your situation.
David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity. All loans subject to credit approval, property eligibility and lender guidelines. Not affiliated with VA, HUD/FHA, USDA, the Department of Defense or any government agency.
Talk to a local mortgage broker
- VA loans
- FHA loans
- USDA loans
- Conventional loans
- DSCR investor loans
- Bank statement loans
- Refinance & cash-out
David J. Hutchison II
(609) 665-3460
dhutch@nexalending.com
Why David
Experience you can lean on
More than 1,000 loans closed over David's career.
Helping New Jersey families finance homes for 25+ years.
Based in Medford, NJ. As a broker, David compares options from many lenders instead of offering just one.
David's father was a veteran, and David has helped many veterans buy and refinance homes across New Jersey.
David works alongside experienced real estate agents across New Jersey, including a military veteran who is one of his top referral partners.
Read what clients say, word for word, on the reviews page.
FAQ
Common questions
Who counts as a first-time home buyer?
Many programs define it as someone who hasn't owned a home in the past three years, but definitions vary by program.
Do I need perfect credit to buy my first home?
No. Programs like FHA have flexible guidelines, and lenders differ. I'll check what fits your credit.
Can I get help with my down payment in NJ?
Eligible buyers may qualify for state or local assistance. See NJ down payment assistance or ask me to check.
How long does pre-approval take?
Often a day or two once I have your documents.
Next step
Let's talk through your options
No credit pull and no Social Security number, just a conversation. I'll compare lenders and explain everything in plain English.
Quick quote
Buying your first home? Fill out the form here
Share a few details and I'll reach out, usually the same business day, to talk through options. This is a conversation, not an application — no Social Security number and no credit pull.
- Call/Text(609) 665-3460
- Emaildhutch@nexalending.com
- NMLS#63021
Last updated Nov 2026
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