The Clifton housing market is competitive, with a range of homes available from $350,000 to over $600,000. The median home price in Clifton is $430,000, and prices vary by neighborhood and property type. For example, the neighborhood of Allwood has a slightly higher median home price of $450,000, while the neighborhood of Delawanna has a median home price of $400,000.

At NMHL, we understand the local market conditions and can provide personalized guidance to help you navigate the homebuying process. Our experienced loan officers can help you find the best mortgage program for your situation, whether you're a first-time homebuyer, self-employed, or have bad credit.

Clifton has several popular neighborhoods to consider, each with its own unique character and amenities. Some of the most notable neighborhoods include:

• Allwood: A highly sought-after neighborhood with a strong sense of community and easy access to local parks and recreational facilities.
• Delawanna: A vibrant neighborhood with a mix of older and newer homes, as well as a downtown area with shops and restaurants.

NMHL's loan officers can provide more information on the different neighborhoods in Clifton and help you find the best fit for your needs and budget.

Property taxes in Clifton average approximately 2.22% of assessed value. This translates to manageable monthly costs when factored into your mortgage payment. For example, on a $430,000 home, you can expect to pay around $9,546 per year in property taxes, or approximately $795 per month.

NMHL can help you understand how property taxes will impact your mortgage payment and provide guidance on how to factor them into your homebuying decision.

Clifton has a highly rated public school system, with several schools receiving top marks from parents and students. The Clifton School District serves students from kindergarten through 12th grade and has a strong reputation for academic excellence.

For families with children, the quality of local schools can be an important factor in the homebuying decision. NMHL can provide more information on the school districts in Clifton and help you find a home that meets your family's needs.

NMHL offers several mortgage programs designed to help first-time homebuyers achieve their goals. For example, our FHA loan program requires a down payment as low as 3.5%, and our VA loan program offers zero-down financing options for eligible veterans and active-duty military personnel.

Additionally, New Jersey has several state-specific programs to support first-time homebuyers, such as the New Jersey Housing Finance Agency's (NJHFA) First-Time Homebuyer Program, which provides up to $10,000 in down payment assistance. Our loan officers can help you understand the different options available and find the best fit for your situation.

At NMHL, we understand that not all borrowers have the same financial situation. That's why we offer a range of mortgage programs designed to serve underserved borrowers, including those with bad credit, self-employed individuals, and veterans.

Our loan officers can help you find the best program for your situation, whether you're looking for a conventional loan or a specialty loan. We're committed to providing personalized service and competitive rates to help you achieve your homeownership goals.