New Jersey DSCR Network
Billy Robles (NMLS #2751970) is not licensed to originate mortgage loans in New Jersey, and no inquiry is accepted from New Jersey on this site. This page is educational only. To find a licensed originator, use NMLS Consumer Access; for free guidance, use a HUD-approved housing counselor.
Not available in New Jersey — verify any originator at NMLS Consumer AccessNew Jersey: where to go before you borrow
Every link below goes to a government agency or a nonprofit — not to a lender, and not to us. Start here, then talk to a licensed originator.
State housing finance agency
New Jersey Housing and Mortgage Finance Agency
The state housing finance agency for New Jersey — down payment assistance, first-time buyer loans and income limits, straight from the source.
HUD in New Jersey
Federal housing programs, local HUD field offices and New Jersey-specific homeownership pages.
HUD-approved housing counselors in New Jersey
Free or low-cost counseling from HUD-approved agencies. Search results are filtered to New Jersey.
New Jersey consumer protection office
File a complaint or check a company through your state's consumer protection office.
Find free legal aid
Legal Services Corporation's directory of civil legal aid programs, searchable by state.
Your free credit reports
The only federally authorized source for free reports from all three bureaus. Never costs money.
CFPB: credit reports and scores
How scores are built, how to dispute an error, and what actually moves a score.
Nonprofit credit counseling (NFCC)
Member agencies offer budget and debt counseling, often free for the first session.
CFPB: owning a home
Loan options, closing costs and a checklist you can take into any lender conversation.