Your Home Sold Guaranteed Realty - Nancy Kowalik Group

NJHMFA: Police and Firemen’s Retirement System Mortgage Program

NJHMFA: Police and Firemen’s Retirement System Mortgage Program

NJHMFA: Police and Firemen’s Retirement System Mortgage Program


Any currently employed police officer or firefighter, as defined in the enabling legislation, who is a member of the police and firemen’s retirement system with at least one year creditable service.


One or two family residences and condominium units located in the state of New Jersey. Vacant land, provided a contract is executed, used to construct an eligible one or two family dwelling that will be habitable by the borrower as their primary residence within 120 days of closing.


Borrower must occupy the residence as their principal residence within 120 days of closing and remain in the residence for the life of the loan.


The maximum mortgage amount as determined by the Fannie Mae (Excluding jumbo Loans )


Mortgage insurance is required on all loans with down payments of less than 20%

and that’s it, and actually those last two don’t include maximum mortgage and mortgage insurance you can delete those

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About Your Home Sold Guaranteed Realty-Nancy Kowalik Group:

Your Home Sold Guaranteed Realty-Nancy Kowalik Group is an award-winning boutique real estate brokerage specializing in all facets of Southern New Jersey’s robust residential real estate market. Founded in 2016, the firm has quickly become one of the state’s leading independent brokerages, known for its home sale guarantee. Based on a pre-determined, agreed-upon price and timeframe, founder and president Nancy Kowalik guarantees the sale of her client’s home with the promise that the firm will purchase the property if it is not sold. Kowalik’s office culture focuses on teamwork and philanthropy. With 25 full-time agents working as a team, the firm promises 5-star service. Under Kowalik’s lead the group has given over $80,000 to a local non-profit since 2017 and has been an ongoing supporter of local High School and intramural sports programs. For more information go to

We’re an equal opportunity employer and we’re always looking for new talent. Call us to interview! 856-478-6562

(856) 230-7077