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First-Time Home Buyer Specialists in Livingston, NJ
Compare first-time home buyer specialists in Livingston. Review contact information and insurance categorys before you decide.
17 agents listed
Updated June 2026
Livingston, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the State Mortgage Licensing Authority of New Jersey before hiring.
Showing 17 first-time home buyer specialists in Livingston, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Justin Kiliszek - New Jersey Life Real Estate Team
A first-time home buyer specialist in Livingston, New Jersey can guide you through the unique aspects of purchasing a home in Essex County. New Jersey offers specific programs like the NJHMFA down payment assistance and first-generation home buyer grants. A specialist helps you navigate local market conditions, mortgage options, and legal requirements for a smooth transaction.
What Does a First-Time Home Buyer Specialist in Livingston Cost?
Typical costs for a first-time home buyer specialist in New Jersey include a mortgage origination fee of 0.5 to 1 percent of the loan amount and an application fee of 300 to 500 dollars. Down payment assistance programs may have administrative fees of 200 to 500 dollars. Closing costs in New Jersey average 2 to 5 percent of the purchase price. This is general information and not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does a first-time home buyer specialist do in Livingston?
A specialist helps you understand New Jersey first-time home buyer programs, including the NJHMFA First-Time Home Buyer Program. They assist with mortgage pre-approval, down payment assistance applications, and explain local property taxes. They also coordinate with real estate agents and attorneys to ensure a successful closing.
What New Jersey programs are available for first-time home buyers in Livingston?
New Jersey offers the NJHMFA First-Time Home Buyer Program with 30-year fixed rate mortgages and down payment assistance up to 15000 dollars. The First Generation Down Payment Assistance Program provides up to 7 percent of the purchase price for buyers whose parents never owned a home. Livingston buyers may also qualify for the Smart Start program with lower mortgage insurance costs.
How long does the home buying process take for a first-time buyer in New Jersey?
The typical process from offer to closing takes 45 to 60 days in New Jersey. This includes time for mortgage approval, home inspection, appraisal, and attorney review. New Jersey law requires a 3-day attorney review period after the initial contract is signed.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the State Mortgage Licensing Authority of New Jersey.