New Jersey's #1 Renovation Lending 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 with expert renovation financing.

📍 Serving: Cherry Hill · Marlton · Voorhees · Mount Laurel · Moorestown · Medford · and all NJ communities

Get Pre-Qualified Free → 📞 Call 856-600-4545
Licensed NJ Lender 5 Loan Programs HMA Mortgage Free Consultation
Buy + Renovate — One Loan
As Low As 3.5% Down
Call: 856-600-4545
All NJ Communities
Jeff Onofrio — NJ FHA 203k Renovation Loan Specialist
Serving NJ Families For Over 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 years.

Free Consultation → 📞 856-600-4545
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 — potentially 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 NJ Renovation Loans Work

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 for your New Jersey purchase or refinance 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 the renovation period.

04

Close & Move In

Close on your NJ home and start renovating immediately. Move into your finished dream home — all 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
Higher Loan Limits

North Jersey Service Areas

Essex, Bergen, Morris, Union & Passaic counties have higher FHA loan limits — ideal for larger renovation projects.

⭐ 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
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, PA

This property was 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.

Devon Street home before renovation — before FHA 203k loan
Before
Devon Street home during renovation — FHA 203k construction phase
During Construction
Devon Street home after renovation — completed 203k project
After — Completed
1 Loan
Purchase + Full Renovation
3.5%
Minimum Down Payment
FHA 203k
Full Standard Program

Ready to create your own before & after story in New Jersey?

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. Looking forward to working with you all again!

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
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 — Renovation Lending Expert
Phone
856-600-4545
Email
teamonofrio@hmamortgage.com
Serving
All of New Jersey — HMA Mortgage
Free NJ Renovation Loan Consultation
Jeff responds within one business day.