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Live Where You Work


Camden Live Where You Work* is an incentive program that provides low-interest mortgage loans and downpayment assistance to homebuyers who work in the City of Camden, New Jersey.



What are the benefits of the Camden Live Where You Work Program?

  • Builds strong communities and revitalizes the city.
  • Increase housing development
  • Increase support for local businesses
  • Low-interest mortgages for hombuyers
  • More flexible underwriting criteria for loan qualification process
  • Downpayment and closing cost assistance of up to 5% of the mortgage amount of a home located within a Smart Growth Area. This assistance does not have to be repaid if you live in the house for more than 7 years.

* The Camden Live Where You Work program is independent of the Camden Employer Assisted Housing Program but  may be combined with some of the anchor institution’s CEAH programs. Ask your employer’s human resource department if incentives can be combined.

Expanded benefits for targeted home buyers:

Maximum Income Limits for Camden+

Family Size City Wide
1-2 Person Household $88,200
3+ Person Household $101,430


Maximum Purchase Price Limits for Camden*

House Type City Wide
New 1 Family $346,600
Existing 1 Family $346,600
Existing 2 Family $390,382
Existing 3 Family  $474,296
Existing 4 Family $547,265


How do homebuyers apply for a loan?

Contact 1-800-NJHOUSE, a lender from the list below, or another NJHMFA Live Where You Work program approved lender

Lender** Telephone
Aurora Financial  856-596-6200
City National 973-624-0865
GMAC Mortgage Corporation 856-797-2121
Jersey Mortgage 908-276-2442


Superior Mortgage 888-562-6480
Wells Fargo 201-714-5640


How can I find out what properties and incentives are available in the City of Camden?

If you are interested in learning more about the Live Where You Work mortgage program, please call 1-800-NJHOUSE or visit Live Where You Work or Live Camden.

You can also contact:

Stanley Witkowski
Bureau of Housing Services Housing Coordinator
520 Market Street
City Hall Room 218A
P.O. Box 95120
Camden, NJ 08101-5120

Phone: 856-757-7283
Fax: 856-757-7389

† These limits are set by the federal government and are subject to change without notice. (Updated 3/31/08)
* Subject to mortgage qualification based on household income and other factors. The size of the loan qualified for depends on borrower’s income and may be significantly less than the maximum purchase price limit for the program.
**These approved NJHMFA Live Where You Work program lenders have indicated an interest in lending in Jersey City. Additional interested lenders will be added to the list as they are identified. Homebuyers may call these lenders or any lender from the complete NJ HMFA statewide list of approved lenders.
Appearance of a lender on either of these lists does not constitute an endorsement by the City of Jersey City of the lender or its practices or the guarantee of loan approval. Lenders in the LWYW program have met the NJHMFA approved participating lender eligibility criteria. Interest rates, origination fees and program guidelines are set by the NJHMFA. The NJHMFA is an agency of the State of New Jersey whose activities are governed by Statute under the direction of a Board of State Officers and appointed private individuals. The New Jersey Attorney General is a Board member and is counsel to the NJHMFA. Participating lenders may charge borrowers an application fee in accordance with the NJHMFA program guidelines. Loan origination fees are paid to the lenders by the NJHMFA.

Live Where You Work Brochure

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