Meet Your 203K Lender for

New Jersey

Jeff Onofrio

(888) 203-0899

Director of Renovation Lending

NMLS #38670

hma-mortgage-jeff-onofrio

HMA MORTGAGE

Company NMLS #139164

Hi I’m Jeff, an FHA Loan &  203K Renovation Specialist!  I Want to Hear From You!   Let's Talk About Your Purchase or Refinance.

Let's talk about,  How to Qualify,  203k Loan Requirements, & Other Questions  you may have. Your Situation is Unique which is Why it’s Best for Me to give you the Answers you are looking for personally.  Call or e-mail Me, whichever way works best for YOU.

Looking for an FHA Loan?   Why not make it an FHA 203K?

FHA 203K Renovation & Home Improvement Financing for Purchasing or Refinancing Your Home

Creating The Home You Love STARTS HERE!

203K Purchase

Avoid Common Financing Roadblocks

Avoid getting your financing denied due to property conditions.  Avoid any upfront property repair requirements

203K Refinance

Improvements are Made After Closing

Improve your home Size
Improve your home Comfort
Improve your home Value

203K All In One Loan!

Finance Plus Improvements!

Combine your home improvement funds with your purchase or refinance loan to Renovate, Repair, Rehab, or Remodel your property all at the same time.

What Properties are 203K Eligible in New Jersey?

203K Eligible properties include Single Family, 2 to 4 units, Condos, Townhomes, and even mixed use.


Types of FHA 203K Eligible Sales

Regular Standard Listing, Foreclosure, HUD Repos, REO, For sale by Owner, as well as other sales, plus it can be used to refinance.

A Home Owners Guide to the FHA 203K Loan

Get The 203k Loan Info You Need!  

FREE DOWNLOAD!

 FHA 203K Questions You May Have

Ready to unravel the FHA 203K loan? Let's start by covering the basics first. For more tailored, in-depth answers specific to your situation, feel free to reach out to me, Jeff Onofrio, your dedicated 203K Lender, for all the detailed information you need

FHA-203K-Loan-Home-Improvement.jpg

What is an FHA 203k Loan?

An FHA 203k loan is a Federally Insured Loan designed to help home buyers purchase a property that needs renovation or refinance an existing home with the goal of making repairs and improvements. It's the financing tool for your home transformation!

How to Qualify for an FHA 203k Loan in New Jersey?

Qualifying for a 203k loan is easy, whether you’re Buying or Refinancing.  This type of home improvement loan is  just like any other type of home loan except you’ll also get the additional funds needed for all your Repairs, Renovations or Rehab.   

203K-Loan-Qualifications

Who is Eligible to Qualify for a 203k Loan?

Whether you’re a First-Time Homebuyer, previously Owned a home or currently a Homeowner, you are eligible to qualify for a 203k Loan as long as you plan to occupy the property.


Who is a 203k Loan For?

The FHA 203K Loan is a great option for those looking to add home improvement funds to their purchase or refinance loan, with the advantage of a minimal down payment or equity.   

Why a 203k Loan?

This All-in-One Loan allows a broader scope of  properties for you to choose from.  You can pick up a fixer upper or an outdated property and fix it up the way you want.   With other types of financing, property conditions could cause a dilemma requiring these issues to be resolved before closing your loan. That can slow down or stop your transaction from closing. With the 203k you will avoid those property condition hurdles

Why-A-203K-Loan?

How Does an FHA 203K Work?

Unlike other loans, the 203K Loan approval is based on the FUTURE Value of the home (after improvements), rather than the current value. This unique feature allows home buyers to finance improvements with a minimal down payment and for current property owners, allows to refinance with minimum equity as well.


Once the  loan closes the home improvements begin. Funds are disbursed as scheduled and the end results is a property that you envisioned and love!  

How To Start Your 203K Loan?

To get started, you'll need to contact your 203K Specialist and provide them with preliminary info about yourself, your property, and the renovations you’d  like to accomplish.

Get quick Answers to your FHA 203K Loan Questions!

"Contact me now, to accomplish your goals and plans. I look forward to hearing from you!"

Jeff Onofrio

(888) 203-0899

Jeff Onofrio  is an FHA 203k Lender helping homebuyers, homeowners and real estate agents with their Renovation Loan financing throughout the New Jersey cities below:

Aberdeen
Absecon
Alexandria
Allamuchy
Allen
Allendale
Allenhurst
Alloway
Alpha
Alpine
Andover
Asbury Park
Atlantic
Atlantic City
Atlantic Highlands
Audubon
Audubon Park
Avalon
Avon-by-the-Sea
Barnegat
Barnegat Light
Barrington
Bass River
Bay Head
Bayonne
Beach Haven
Beachwood
Bedminster
Belleville
Bellmawr
Belmar
Belvidere
Bergen
Bergenfield
Berkeley
Berkeley Heights
Berlin
Bernards
Bernardsville
Bethlehem
Beverly
Blairs
Bloomfield
Bloomingdale
Bloomsbury
Bogota
Boonton
Borden
Bound Brook
Bradley Beach
Branchburg
Branchville
Brick
Bridgeton
Bridgewater
Brielle
Brigantine
Brooklawn
Buena
Buena Vista
Burlington
Butler
Byram
Caldwell
Califon
Camden
Cape May
Cape May Point
Carlstadt
Carneys Point
Carteret
Cedar Grove
Chatham
Cherry Hill
Chesilhurst
Chester
Chesterfield
Cinnaminson
City of Orange
Clark
Clayton
Clementon
Cliffside Park
Clifton
Clinton
Closter
Collingswood
Colts Neck
Commercial
Corbin City
Cranbury
Cranford
Cresskill
Cumberland
Deal
Deerfield
Delanco
Delaware
Delran
Demarest
Dennis
Denville
Deptford
Dover
Downe
Dumont
Dunellen
Eagleswood
East Amwell
East Brunswick
East Greenwich
East Hanover
East Newark
East Orange
East Rutherford
East Windsor
Eastampton
Eaton
Edgewater
Edgewater Park
Edison
Egg Harbor
Egg Harbor City
Elizabeth
Elk
Elmer
Elmwood Park
Elsinboro
Emerson
Englewood
Englewood Cliffs
English
Essex
Essex Fells
Estell Manor
Evesham
Ewing
Fair Haven
Fair Lawn
Fairfield
Fairview
Fanwood
Far Hills
Farmingdale
Fieldsboro
Flemington
Florence
Florham Park
Folsom
Fort Lee
Frankford
Franklin
Franklin Lakes
Fredon
Freehold
Frelinghuysen
French
Galloway
Garfield
Garwood
Gibbsboro
Glassboro
Glen Gardner
Glen Ridge
Glen Rock
Gloucester
Gloucester City
Green
Green Brook
Greenwich
Guttenberg
Hackensack
Hacketts
Haddon
Haddon Heights
Haddonfield
Hainesport

Haledon
Hamburg
Hamilton
Hammonton
Hampton
Hanover
Harding
Hardwick
Hardyston
Harmony
Harrington Park
Harrison
Harvey Cedars
Hasbrouck Heights
Haworth
Hawthorne
Hazlet
Helmetta
Hi-Nella
High Bridge
Highland Park
Highlands
Hights
Hills
Hillsdale
Hillside
Ho-Ho-Kus
Hoboken
Holland
Holmdel
Hopatcong
Hope
Hopewell
Howell
Hudson
Hunterdon
Independence
Interlaken
Irvington
Island Heights
Jackson
Jamesburg
Jefferson
Jersey City
Keansburg
Kearny
Kenilworth
Keyport
Kingwood
Kinnelon
Knowlton
Lacey
Lafayette
Lake Como
Lakehurst
Lakewood
Lambertville
Laurel Springs
Lavallette
Lawnside
Lawrence
Lebanon
Leonia
Liberty
Lincoln Park
Linden
Lindenwold
Linwood
Little Egg Harbor
Little Falls
Little Ferry
Little Silver
Livingston
Loch Arbour
Lodi
Logan
Long Beach
Long Branch
Long Hill
Longport
Lopatcong
Lower
Lower Alloways Creek
Lumberton
Lyndhurst
Madison
Magnolia
Mahwah
Manalapan
Manasquan
Manchester
Mannington
Mansfield
Mantoloking
Mantua
Manville
Maple Shade
Maplewood
Margate City
Marlboro
Matawan
Maurice River
Maywood
Medford
Medford Lakes
Mendham
Mercer
Merchantville
Metuchen
Middle
Middlesex
Midland Park
Milford
Mill
Millburn
Millstone
Millville
Mine Hill
Monmouth
Monmouth Beach
Monroe
Montague
Montclair
Montgomery
Montvale
Montville
Moonachie
Moores
Morris
Morris Plains
Mount Arlington
Mount Ephraim
Mount Holly
Mount Laurel
Mount Olive
Mountain Lakes
Mountainside
Mullica
National Park
Neptune
Neptune City
Netcong
New Brunswick
New Hanover
New Milford
New Providence
Newark
Newfield
Newton
North Arlington
North Bergen
North Brunswick
North Caldwell
North Haledon
North Hanover
North Plainfield
North Wildwood
Northfield
Northvale
Norwood
Nutley
Oakland
Oaklyn
Ocean
Ocean City
Ocean Gate
Oceanport
Ogdensburg
Old Bridge
Old Tappan
Oldmans
Oradell
Oxford
Palisades Park
Palmyra
Paramus
Park Ridge

Parsippany-Troy Hills
Passaic
Paterson
Paulsboro
Peapack and Gladstone
Pemberton
Pennington
Penns Grove
Pennsauken
Pennsville
Pequannock
Perth Amboy
Phillipsburg
Pilesgrove
Pine Beach
Pine Hill
Piscataway
Pitman
Pittsgrove
Plainfield
Plainsboro
Pleasantville
Plumsted
Pohatcong
Point Pleasant
Point Pleasant Beach
Pompton Lakes
Port Republic
Princeton
Prospect Park
Quinton
Rahway
Ramsey
Randolph
Raritan
Readington
Red Bank
Ridgefield
Ridgefield Park
Ridgewood
Ringwood
River Edge
River Vale
Riverdale
Riverside
Riverton
Robbinsville
Rochelle Park
Rockaway
Rockleigh
Rocky Hill
Roosevelt
Roseland
Roselle
Roselle Park
Roxbury
Rumson
Runnemede
Rutherford
Saddle Brook
Saddle River
Salem
Sandyston
Sayreville
Scotch Plains
Sea Bright
Sea Girt
Sea Isle City
Seaside Heights
Seaside Park
Secaucus
Shamong
Shiloh
Ship Bottom
Shrewsbury
Somerdale
Somers Point
Somerset
Somerville
South Amboy
South Bound Brook
South Brunswick
South Hackensack
South Harrison
South Orange Village
South Plainfield
South River
South Toms River
Southampton
Sparta
Spotswood
Spring Lake
Spring Lake Heights
Springfield
Stafford
Stanhope
Stillwater
Stockton
Stone Harbor
Stow Creek
Stratford
Summit
Surf City
Sussex
Swedesboro
Tabernacle
Tavistock
Teaneck
Tenafly
Teterboro
Tewksbury
Tinton Falls
Toms River
Totowa
Trenton
Tuckerton
Union
Union Beach
Union City
Upper
Upper Deerfield
Upper Freehold
Upper Pittsgrove
Upper Saddle River
Ventnor City
Vernon
Verona
Victory Gardens
Vineland
Voorhees
Waldwick
Wall
Wallington
Walpack
Wanaque
Wantage
Warren
Washington
Watchung
Waterford
Wayne
Weehawken
Wenonah
West Amwell
West Caldwell
West Cape May
West Deptford
West Long Branch
West Milford
West New York
West Orange
West Wildwood
West Windsor
Westampton
Westfield
Westville
Westwood
Weymouth
Wharton
White
Wildwood
Wildwood Crest
Willingboro
Winfield
Winslow
Wood-Ridge
Woodbine
Woodbridge
Woodbury
Woodbury Heights
Woodcliff Lake
Woodland
Woodland Park
Woodlynne
Woods
Woolwich
Wrights
Wyckoff

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