Carla Plotnicoff June 4, 2025
Buyers
If you're considering purchasing your first home in Roselle Park, New Jersey, you're not alone. This Union County community has become increasingly popular among young professionals, new families, and long-time renters ready to take the next step toward homeownership.
In this article, we'll walk you through the top first-time homebuyer programs available in 2025 and how to position yourself for a successful purchase in one of the most accessible and connected towns in North Jersey.
Roselle Park offers a blend of small-town living with strong connectivity to New York City and nearby economic hubs. With a reliable NJ Transit station, a walkable downtown, and a range of property types from condos to two-family homes, it's an ideal location for buyers looking to establish roots.
Key benefits include:
Several statewide programs are designed to make the buying process more accessible for first-time buyers in towns like Roselle Park.
Need help deciding which program fits your profile? Our buyer agents will walk you through your options during a personalized consultation.
The local real estate market continues to be competitive. On average, homes are receiving multiple offers and selling within three weeks. To stand out as a first-time buyer:
Get Pre-Approved Before Touring
This not only clarifies your budget but strengthens your negotiating position.
Stay Focused on Key Neighborhoods
Areas like West Lincoln Avenue, East Grant Avenue, and Chestnut Street are in high demand due to their walkability and transit access.
Work With a Local Real Estate Team
Our agents specialize in Union County and offer insights you won’t get from national platforms.
Do I need 20% down to buy a home?
No. Most first-time buyer programs allow for down payments as low as 3 percent, especially when combined with state assistance.
Can I buy a home with student loans?
Yes. Lenders review your overall debt-to-income ratio. Student debt alone will not prevent you from qualifying.
How much should I budget for closing costs?
Plan for 2 to 5 percent of your purchase price, although NJHMFA programs can help offset these costs.
Do I have to be a New Jersey resident?
Most programs require that the purchased home be your primary residence, but you do not have to be a lifelong NJ resident.
We’ve worked with dozens of first-time buyers across Union County, guiding them from property searches to closing day. Our process includes:
If you’re ready to explore your options in Roselle Park, we’re here to help.
Explore Active Listings in Roselle Park
Buying your first home is a big step. With the right strategy and support, you can do it with clarity and confidence.
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