The New Jersey Housing and Mortgage Finance Agency (NJHMFA) is dedicated to increasing the availability of and accessibility to safe, decent and affordable housing for families in New Jersey. In some cases this may mean working with traditional affordable housing developments, serving New Jersey's most needy families. In other instances, it is working with First-Time Homebuyers, senior citizens, and/or the disabled in our special needs communities. In every situation, NJHMFA is committed to making quality housing available at costs affordable to New Jersey residents. NJHMFA recognizes that housing is developed within a community context. If we are to build strong quality houses we must also work to create healthy, safe and vibrant communities. It is clear that housing and families both influence and are influenced by the communities in which they reside. To this end, NJHMFA works to insure that our investments leverage existing community resources and enhance market value and community well being.