New Jersey's Renovation Loan Specialist

NJ FHA 203k & Renovation Loans — Buy, Renovate, Move In

Jeff Onofrio helps New Jersey homebuyers purchase fixer-uppers and renovate them using a single loan. From Cherry Hill to Hoboken — serving all of NJ.

Get Pre-Qualified Free → 📞 Call 856-446-8484
Licensed NJ & PA Lender 5 Renovation Loan Programs Over 20 Years Experience Free Consultation
Buy + Renovate — One Loan
As Low As 3% Down
Call: 856-446-8484
All NJ Communities
Jeff Onofrio — NJ FHA 203k Renovation Loan Specialist at HMA Mortgage
Serving NJ Families ForOver 20 Years
NMLS #38670
Your NJ Renovation Specialist

Meet Jeff Onofrio — NJ's 203k Expert

A lifelong Marlton, NJ resident raising his family right here in South Jersey. Jeff's passion is helping NJ buyers use renovation loans to turn overlooked properties into dream homes — and he's been doing it across all of New Jersey for over 20 years.

Free Consultation → 📞 856-446-8484
NJ Renovation Loan Programs

Every Renovation Loan Program Available in NJ

Whether you're buying a fixer-upper in Cherry Hill or refinancing a home in Hoboken, Jeff has the right renovation loan program for you.

01
FHA • Gov't Backed

FHA 203k Full (Standard)

For major renovations over $35,000. Covers structural repairs, room additions, full gut rehabs. 3.5% down for eligible NJ buyers. Great for foreclosures and major fixer-uppers.

02
FHA • Streamlined

FHA 203k Limited

For non-structural renovations up to $75,000. Kitchens, baths, HVAC, roofing, flooring, and more. Simpler process with faster NJ closings and no HUD consultant required.

03
Fannie Mae • Conventional

HomeStyle Renovation

Conventional renovation financing for primary homes, second homes, and investment properties in NJ. No FHA mortgage insurance for qualifying buyers — lower monthly payments.

04
Freddie Mac • Conventional

CHOICERenovation

Freddie Mac's flexible renovation program for NJ buyers. Finance disaster resiliency improvements, accessibility upgrades, and full renovations in one conventional loan.

05
VA • Veterans Only

VA Renovation Loan

Zero down renovation financing exclusively for eligible NJ veterans and active service members. Combine purchase and renovation with VA's incredible benefit — no down payment required.

How It Works

Simple 4-Step Process

Renovation loans have a few extra steps vs. a standard mortgage — but with Jeff guiding your NJ transaction, every stage is clear and moves efficiently.

01

Free NJ Consultation

Discuss your goals and property. Jeff identifies the right loan program and gives you a clear picture of costs and timeline.

02

NJ Pre-Qualification

Get pre-qualified fast so you can make competitive offers on NJ properties. Know your renovation budget before you start house hunting.

03

Renovation Planning

Work with licensed NJ contractors to scope the project. Jeff manages the draw schedule and ensures funds flow smoothly throughout.

04

Close & Move In

Close on your NJ home and start renovating immediately. Move into your finished dream home — financed with one single monthly payment.

Service Areas

Renovation Loans Across All of New Jersey

Jeff serves every community in New Jersey. Click your town for a dedicated local renovation loan page.

Cherry Hill Marlton Voorhees Mount Laurel Moorestown Medford Haddonfield Cinnaminson Evesham Lumberton Burlington Camden Collingswood Westmont Haddon Heights Gloucester City Stratford Berlin Sicklerville Blackwood Sewell Turnersville Williamstown Glassboro Vineland Bridgeton Millville Toms River Brick Lakewood Edison Woodbridge Newark Trenton Princeton Hackensack Paterson Hoboken Jersey City Atlantic City

⭐ North Jersey — Higher Loan Limits

⭐ Montclair ⭐ Glen Ridge ⭐ Bloomfield ⭐ Livingston ⭐ West Orange ⭐ Millburn ⭐ Maplewood ⭐ South Orange ⭐ Summit ⭐ Chatham ⭐ Madison ⭐ Morristown ⭐ Parsippany ⭐ Clifton ⭐ Nutley ⭐ Glen Rock ⭐ Ridgewood ⭐ Teaneck ⭐ Englewood ⭐ Fort Lee

Browse Renovation Loans by County

Camden County Burlington County Gloucester County Salem County Atlantic County Cape May County Cumberland County Mercer County Ocean County Monmouth County Middlesex County Somerset County Hunterdon County Warren County Morris County Sussex County Passaic County Essex County Union County Hudson County Bergen County

Common Renovation Scenarios

Failed Inspection? 203k Can Help Foreclosure / HUD / REO Refinance & Renovate 2–4 Unit / Multi-Family Condo Renovation Loans 203k vs. Construction Loan
Real Results

Before & After — Real NJ Projects

These are actual renovations financed through Jeff Onofrio. This is what one loan can do.

FHA 203k Full — Exterior Transformation

Complete Exterior Renovation — Devon Street

A dated two-story home in need of a complete exterior overhaul — new stucco, dormers, windows, shutters and stonework. Financed entirely through one FHA 203k Full renovation loan. The transformation added significant value and curb appeal.

Home before FHA 203k renovation loan
Before
Home during 203k renovation construction
During Construction
Home after 203k renovation completed
After — Completed
1 Loan
Purchase + Full Renovation
3.5%
Minimum Down Payment
FHA 203k
Full Standard Program
Start Your NJ Renovation →
NJ Client Reviews

What New Jersey Homebuyers Are Saying

"
★★★★★

This is an amazing team! Great and pleasant to work with! Communication is easy and timely. In the end of the process I felt like I knew them for a very long time. Thank you very much — without you it would not have been easy.

NS
Nataliya S.
HMA Mortgage Client — New Jersey
"
★★★★★

Jeff, Grant, and Team are phenomenal to work with. I really appreciated their timeliness and communications. The HMA team will definitely have my recommendation to family and friends.

JR
Josh R.
HMA Mortgage Client — New Jersey
"
★★★★★

From the beginning Jeff and his team showed exemplary professionalism. He was straight forward and very helpful in explaining the process from start to finish. Sincerely — the Abbott Family.

AA
Algernon Abbott
HMA Mortgage Client — New Jersey
NJ Renovation Loan Resources

From the 203k Blog

Plain English guides on renovation loans for NJ buyers — written by Jeff Onofrio.

FHA 203k Basics

What Is an FHA 203k Loan? A Plain English Guide for NJ Buyers

Most NJ buyers have never heard of the 203k loan — yet it could be the most powerful tool available for buying a fixer-upper.

Read Article → Loan Comparison

FHA 203k vs HomeStyle Renovation Loan — Which Is Right for You?

Two popular renovation loan programs in NJ — but they work very differently. Here's how to decide which fits your situation.

Read Article → Loan Limits

FHA 203k Loan Limits in New Jersey for 2026

Loan limits vary significantly across NJ counties. Here are the 2026 numbers for all 21 NJ counties and what they mean for you.

Read Article →
View All Articles →
Get In Touch

Ready to Start Your NJ Renovation Loan?

Whether you have a property in mind in Cherry Hill, Marlton, or anywhere in New Jersey — Jeff is ready to help. Free, no-obligation consultation.

Your NJ Specialist
Jeff Onofrio — HMA Mortgage | NMLS #38670
Phone
856-446-8484
Email
teamonofrio@hmamortgage.com
Serving
All of New Jersey — HMA Mortgage
Free NJ Renovation Loan Consultation
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