Community Lending · Eligible Properties
CRA-Eligible Properties in New Jersey
Some community lending programs qualify a home by where it sits — specifically, whether its address falls in a lower-income census tract as defined by the FFIEC. The listings below are cross-referenced against the 2026 FFIEC tract maps, so you can browse homes that may open the door to location-based programs.
Check your buying power
See what you may qualify for
No obligation — get your estimated price range and monthly payment, powered by our lending partner, Bond Street Mortgage.
How these listings are chosen
Matched to FFIEC tract data
Census-tract designations are published by the FFIEC and updated periodically; this feed reflects the 2026 maps. A tract match indicates a property may be eligible for location-based programs — it is not a guarantee of approval.
Live feed
Homes in eligible census tracts
Updated automatically and matched against the 2026 FFIEC tract maps. Eligibility for a specific address is confirmed by Bond Street.
Listings are sourced and matched by an automated process against 2026 FFIEC census-tract data. Availability changes; a property appearing here may be under contract or sold. Confirm current status and program eligibility with the team.
Why location matters
The geography path to community lending
Location can qualify you
On some programs, a home in an eligible lower-income census tract qualifies based on the property itself — with income limits relaxed or removed.
Two doors, not one
If you don't meet the income path, the tract path may still apply. See both requirements.
Real savings attached
Eligible homes can unlock a lower down payment, reduced mortgage insurance, or closing-cost help. See the benefits.
Always verified
This feed surfaces candidates from federal tract data; Bond Street confirms the program and eligibility for the exact address before you rely on it.
Common questions
Eligible properties FAQs
What makes a property show up here?
Its address falls within a census tract that the 2026 FFIEC maps designate as lower-income. An automated process cross-references each listing's location against that federal data and surfaces the matches.
Does a listing here guarantee I'll get a community loan?
No. A tract match means the property may be eligible for location-based programs — it's a strong starting point, not an approval. Bond Street confirms the actual program and your eligibility for the specific address.
Do I still need to meet an income limit?
It depends on the program. Some location-based programs relax or remove income limits when the home is in an eligible tract; others still apply them. See the requirements for both paths.
The list looks short — is that normal?
It can be. Only homes currently for sale within eligible tracts appear, so the count rises and falls with the market. If you have a specific address in mind, we can check its tract directly rather than waiting for it to surface here.
Our trusted lending partner
Bond Street Mortgage
We work hand-in-hand with Bond Street Mortgage, serving Bergen, Passaic, Morris, Hudson, and Essex counties. Their team coordinates with us from pre-approval through closing, and confirms eligibility for community lending programs.
Talk to the team
Check a specific address
Found a home you like, here or anywhere? Reach out and we'll check its tract and connect you with the right loan path.
RE/MAX Select — Chopper Russo Team. Thomas "Chopper" Russo, 392 Ramapo Valley Rd, Oakland, NJ 07436. Not a commitment to lend. Census-tract designations are published by the FFIEC. A tract match indicates potential eligibility for location-based programs only; community and affordable lending programs, eligibility, and terms are offered and determined by Bond Street Mortgage subject to applicable law and program guidelines. Equal Housing Opportunity.