A message from the mayor of City of Orange Township:

“Rich in history, Orange is a very unique and special mix of urban and suburban. We have flourishing residential neighborhoods, beautiful and affordable homes, and a vibrant Main Street. Add to that fine dining from many cuisines, ethnic diversity, superb parks and playgrounds, and an arts community, and you have a wonderful place to live and work. We are only 20 minutes from midtown Manhattan by train, and Interstate 280 gives fast and easy access to all of the region’s highways.”

-Eldridge Hawkins, Jr., Mayor

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

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

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

• Low-interest mortgages for first time home buyers
• Down payment and closing cost assistance for the purchase of a home
• More flexible underwriting criteria for the loan qualification process

This program may be used to purchase a home in certain neighborhoods in City of Orange Township.  Greater flexibility is available to home buyers buying in one of NJ HMFA’s City of Orange Township Target Area neighborhoods. Homebuyers in Urban Target Area neighborhoods are afforded the following:

• Home buyers do not have to be first time home buyers
• Enhanced maximum income limits and purchase price limits

MAXIMUM INCOME LIMITS †‡

Location	1-2 Family	3+ Household
City wide	$87,600	$100,740

MAXIMUM PURCHASE PRICE LIMITS †

Location	New 1 family (including condos)	Existing 1 Family	Existing 2 Family	Existing 3 Family	Existing 4 Family
City wide	$429,619	$429,619	$550,005	$664,828	$826,218

Where are properties for sale in the City of Orange Township?
The City of Orange Township would like to offer all prospective buyers an opportunity to research available properties for sale within its city borders. Please feel free to visit the HMFA’s Housing Resource Center. You may also visit REALTOR.com, or contact your local realtor.

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
American Federal Mortgage	973-927-0400
City National	973 624-0865
GMAC Mortgage Corporation	856 797-2121
Commerce Bank	732-747-1999
Valley National Bank	888 235-4980
Weichert Financial Services	973-490-8089

*These approved NJHMFA Live Where You Work program lenders have indicated an interest in lending in the City of Orange Township. 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 Orange Township 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.

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.

Live Where You Work Brochure (PDF)

† These limits are set by the federal government and are subject to change without notice. (Updated 3/31/08)
* Some streets have partial UTA eligibility.  For more information, review the UTA Street Directory found at www.livewhereyouwork.nj.gov.
** Not all Orange properties listed on these websites are located within the Urban Target Areas.
‡Interest rates will vary depending on income. See www.livewhereyouwork.nj.gov for more information.