New Jersey's Police and Fireman's Retirement System

Northpointe Bank offers stand-out home loan programs you'd be hard-pressed to find anywhere else. In partnership with the New Jersey Housing and Mortgage Finance Agency, qualified Police Officers and Firefighters receive low competitive rates on the purchase of a home. Buying a home may be more affordable than you think.

Program features:
  • Eligible for currently employed police officers or firefighters who are a member of the Police and Firemen’s Retirement System with at least one-year creditable service
  • For the purchase of primary 1- or 2-unit homes and condos located in New Jersey
  • 30-year fixed rate home loan
  • Down payment as low as 3% with mortgage insurance requirement
  • Loan amounts up to $647,200
  • Minimum credit score 620
  • Maximum debt-to-income ratio 45%
*This is not a commitment to lend. All loans are subject to credit review and approval.