July 22, 2019
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Live Where You Work Trenton

The City of Trenton has partnered with the NJ Housing and Mortgage Finance Agency (HMFA) to become the first Live Where You Work community!! 

What is Live Where You Work Trenton?
Live Where You Work Trenton is a special home mortgage incentive program that provides low-interest mortgage loans to homebuyers who work in Trenton and who are looking to purchase a home in Trenton.  The goal of the program is to...

(1) strengthen our neighborhoods and increase community involvement through homeownership;
(2) attract individuals who work in Trenton to also live in our City; and
(3) develop positive relationships between Trenton and members of the local business and residential communities.

As a result, homebuyers who both work and want to live in Trenton will be able to take advantage of the Live Where You Work program incentives.

What are the benefits of Live Where You Work Trenton?
The primary benefits of Live Where You Work Trenton include:

•          Low-interest mortgages for homebuyers
•          Downpayment and closing cost assistance for the purchase of a home
•          More flexible underwriting criteria for the loan qualification process

Additional incentives are available to homebuyers buying in one of Trenton’s Urban Target Area neighborhoods.  To find out if your prospective home falls within Trenton's Urban Target Area neighborhoods, please click on Target Area to confirm. The incentives include the following:

•           Homebuyers do not have to be first time homebuyers
•           Enhanced maximum income limits and purchase price limits



1-2 Family

3+ Household

City wide



Urban Target Area





New 1 family

New 2 Family

Existing 1 Family

Existing 2 Family

Existing 3 Family

Existing 4 Family

City wide







Urban Target Area







Where are properties for sale in the City of Trenton?
The City of Trenton would like to offer all prospective buyers an opportunity to research available properties for sale within its city borders.  If you would like to research this information further, please feel free to visit our FREE home search tool by clicking on available city properties or visit the HMFA’s Housing Resource Center at http://www.njhousing.gov/ and find out more about available housing opportunities.

In addition, please take a look at new developments impacting our city including the beautiful Goat Hill Development, and other showcase properties     

When can homebuyers begin to take advantage of the program?
Homebuyers can obtain a Live Where You Work mortgage today.  Contact 1-800-NJHOUSE for information on participating lenders.  In addition, Trenton has partnered with GMAC to bring additional lending benefits to the program. 

For more information on the GMAC partnership, please click on GMAC incentive program for further details or contact a GMAC representative at (856) 797-2121.   

In addition, Wells Fargo Home Mortgage is an approved lender for the LWYW program, for more information on financing options, contact directly Lillian Hernandez at 609-278-3854 x101 or by mobile 609-658-7607 and click on the logo below.

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

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