Free New Jersey homebuyer education
Master the New Jersey homebuying process.
Understand financing, credit, down payment help, closing costs, and every decision between pre-approval and your new front door.
Education first
Clear guidance from Abdel Khawatmi, Area Manager · NMLS #1712023.
Quick answers
- How much do I need to buy in NJ?
- Often 0–3% down plus closing costs of about 2–5% of the price. New Jersey down payment assistance can lower that further.
- What credit score do I need?
- Most programs start near 580, and some FHA options go lower. Best pricing usually begins around 720.
- How fast is pre-approval?
- Usually 24–48 hours once your pay stubs, tax documents, bank statements, and ID are in.
Not sure which step you're on?
Get a free 15-minute read on where you stand — no credit pull, no pressure.
The Homebuyer Course — Free, No Sign-Up
23 short lessons organized in three phases. Tap any lesson and it plays right here — no account, no login, nothing to download.
Should I Even Buy a Home?
Decide if buying is right for you — before you talk to anyone.
Getting Financially Ready
Credit, income, debt, and the cash you actually need.
Getting Preapproved
Paperwork, preapproval, and walking in with real buying power.
Free resources, no signup
The same guides and worksheets we hand our own clients.
Communication. Education. Trust.
Your NJ mortgage expert — education first.
Abdel Khawatmi is the Area Manager at PRMG Got Mortgages in Eatontown, NJ, and consistently ranks in the top 1% of mortgage lenders nationwide. With 13+ years in the industry, Abdel pairs deep expertise across traditional, rehab, and investment loans with AI-driven systems so every client understands the loan — not just signs it.
- Area Manager, PRMG · NMLS #1712023
- Licensed in NJ, PA, FL, MI
- 5.0 ★ rating across 1,000+ client reviews
- 13+ years lending experience
- Direct lender — FHA, VA, Conventional, DPA, jumbo & rehab
Frequently asked questions
It depends on your loan program and price point. Some NJ programs allow as little as 0–3% down, plus closing costs. We'll help you calculate the exact number and identify any assistance you qualify for.
Yes. Student loans are just one part of your debt-to-income ratio. We show you exactly how they factor in — and how to structure things so they don't hold you back.
Most programs start at 580, and some FHA options go lower. The best pricing typically starts around 720+. We provide tools and coaching to help you reach the next tier before you apply.
Absolutely. Conventional loans allow as little as 3% down, FHA 3.5%, and VA/USDA 0% for eligible buyers. NJ down payment assistance can layer on top.
Usually 24–48 hours once we have your documents. Our AI-assisted process is designed to be fast without cutting corners.
In New Jersey, plan for roughly 2–5% of the purchase price. We provide a line-item estimate up front so there are no surprises.
Private Mortgage Insurance is required on conventional loans with less than 20% down. It protects the lender and can be removed as you build equity. We'll show you the cost and how to eliminate it.
Typically pay stubs, W-2s or tax returns, bank statements, and ID. We provide a personalized checklist so you gather everything once.
Rate locks protect you from market swings during your transaction. We walk you through the timing and tradeoffs so you decide with full information.
We track the market for you and share updates. Depending on the direction and your loan status, we may recommend locking, floating, or exploring a refinance later.
Ready to take the next step?
Pick the option that fits where you are. Every one of them is free — no pressure, just clarity.