Police and Firemen's Mortgage Program


Police and Firemen's Reitrement Systems Program
Opening doors for New Jersey's Police and Fire Professionals!

The NJ Housing and Mortgage Finance Agency makes available the Police & Firemen’s Retirement Systems Program (PFRS) to qualified police officers or fire fighters who are active (not retired) members of the PFRS pension and otherwise eligible, with at least one-year creditable service at time of application.


  • For new mortgages and refinances
  • Mortgage amount allowed up to $484,350
  • Available for purchases and rate and term refinances
  • 1 and 2-unit properties, condominiums located in NJ
  • Owner occupied residents only
  • No first-time homebuyer requirements
  • Conforming loan limits only
  • Mortgage insurance required on loans with down payments less than 20%
  • Volunteer fire fighters or retired police or fire fighters are not eligible for the PFRS mortgage loan program
  • Monthly service charge applicable

Eligibility requirements, exclusions and other terms and conditions apply

For more information on this program or to take the NEXT STEP, use the form below to contact us: