First Time buyers only!!! Great opportunity for home buyer with limited cash funds to become home OWNERS!!! 100% financing. Up to 4% of the purchase price available to be used for downpayment - once the buyer continuously resides in the premises for 5 years from the date of closing the loan the "Smart Start" portion of the lien will be deemed satisfied and the borrower will recieve a cancellation of mortgage or release of lien. If you have any questions please call our office 732.747.1676 and speak with one of our Loan Specialists!!!