Police and firemen’s

Retirement System Mortgage Program


Family First Funding is a participating lender in NJHMFA’s Police and Firemen’s Retirement System Mortgage Program.

It is our goal to ensure that the heroes who protect NJ communities everyday are able to achieve their homeownership goals as easily as possible. This program is available to any currently employed police officer or firefighter, who is a member of the Police and Firemen’s Retirement System with at least one year creditable service.


Rates starting at 4.48% with 4.80% APR!


Please contact a loan officer in order to get additional details about program differences and how you can qualify.



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Eligible properties:

  • 1- or 2-family residences and condo units located in New Jersey
  • Vacant land used to construct eligible 1- or 2-family dwelling

Additional requirements

  • Borrower must occupy the residence as their principal residence within 120 days of closing, and remain for the life of the loan
  • Borrower is responsible for all closing costs in addition to application fee

What Our Customers Are Saying


What Our Customers Are Saying


Everyone we came across at the company made our process a lot less stressful. They answered all our questions and made sure we handed everything that needed to be handed in on time. Thanks!

Paul K. / Homebuyer, NJ

We highly recommend Family First as they are an amazing team, efficient, honest and always available! Not only would I recommend Family First to my clients, I do use them for our family's mortgage needs!

Lisa C. / Real Estate Agent, FL

Great service, very professional. Highly recommended!

Christofer V. / Homebuyer, TX

Expertise, open communication at all times, and complete confidence knowing that my Buyer was wonderfully serviced and their loan would close!

Laure M. / Real Estate Agent, NJ

It was a smooth process from start to finish and I appreciate the time each of them took to answer any questions I may have had with respect to the process, the paperwork, etc. They were all incredibly kind, helpful, and responsive no matter how small the question may have been, and as a first time homebuyer I am very grateful for that.

Jessica S. / Homebuyer, NJ
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