Buying a home can feel overwhelming, especially if you have never done it before. Our bilingual workshops break the process into clear, practical steps and connect residents with local resources that make homeownership possible. All workshops are led by HUD-certified housing counselors.

Workshop topics include:

• Understanding the homebuying process from start to finish
• Credit basics and how to improve your score
• Budgeting, saving, and planning for future costs
• Mortgage basics and what lenders look for
• Down payment assistance programs and local resources
• Avoiding scams and protecting your finances
• Next steps: one-on-one counseling and referrals

Not quite ready to buy? That is okay. Our one-on-one credit and financial counseling sessions help residents understand their credit, build healthy financial habits, and create a realistic plan toward homeownership. Whether you are just starting out or working to repair your credit, we meet you where you are.

One of the biggest barriers to homeownership is saving for a down payment. PARTNER NJ provides direct financial assistance to eligible first-time buyers to help cover down payment and closing costs, making the dream of homeownership a reality for Gateway Neighborhood families.

These programs are intended for residents of Perth Amboy’s Gateway Neighborhood. Priority is given to:

• Residents working toward financial stability goals
• Renters who aspire to become first-time homeowners
• Residents enrolled in housing assistance programs
• Individuals with limited credit history or knowledge of the homebuying process