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Did you know that American United has guided over 11,000 New Jersey first-time home buyers toward home buying success?


That’s because first-time buyers are our favorite type of client!

Here are 4 great low-down payment home loans to help make home buying a bit easier:

CRA – Grant Financing 0% down!!:

Ideal for First-Time home buyers that struggle with the down payment needed to buy real estate, or for those that would prefer to retain their savings to use toward home upgrades. New Jersey single-family homes or FHA Approved condominiums only.  Combine this -0- down loan with a “seller concession” toward closing costs and wow, just a great affordable way to purchase your first home! Call for details: 908.322.5423

Conventional 3% down w/reduced PMI:

Ideal for first-time buyers purchasing a single-family home or condominium anywhere in New Jersey and looking for the least amount down for a Conventional home purchase.  And as a bonus, for those with excellent credit we’ve reduced the PMI requirement to the lowest level possible – making homeownership even more affordable!  Learn More

FHA 203(b) Home Loan:

The FHA program is a government loan designed to help increase homeownership by allowing only 3.5% down for the purchase of a 1-4 family home or FHA approved condominium.  Available anywhere in New Jersey without income restrictions, and available for those with lower credit scores.  Learn More

FHA 203(k) Home Loan / Fannie Mae HomeStyle:

Two great loans designed for those looking to purchase and renovate or upgrade a 1-4 family home or condominium.  A perfect way to take an existing home and make it your own!  Learn More


Twice I moved and twice I called American United Mortgage. The service was exceptional, the rate was as quoted (and the best I could find) and we closed right on schedule. Thank you American United!
Kristy B., Readington, NJ
I’m officially closed and a home owner. Your team was amazing! I’m truly satisfied and will recommend you to all of my family and friends.
Eric R., Nutley, NJ

The American United team has helped thousands of first-time buyers and welcomes the opportunity to assist you as well

For full program details, or to review your qualifications, simply call or email me today at: 908.322.5423