NCJAR News
Every client deserves equal professional service. Every REALTOR® deserves to feel safe while providing it.
Fair housing isn't just about complying with the law—it's about creating a consistent process for every client while protecting yourself throughout the transaction.
One of the best ways to do both is by following consistent business practices from your very first interaction.
That's where FOREWARN comes in.
FOREWARN allows REALTORS® to verify identities using publicly available data before meeting a prospective client. By using the same screening process with every new client, you're not only enhancing your personal safety, you're also supporting consistent business practices that help reduce the risk of unconscious bias.
Professionalism means treating every prospect the same way.
Mortgage rates continue to hover in the mid-6% range, and while many buyers are still hoping for dramatic decreases, the market continues to move forward.
Rather than waiting indefinitely, buyers are adjusting their expectations and exploring ways to improve affordability.
What REALTORS® Can Do
Focus the conversation on monthly payments rather than interest rates alone.
Discuss options such as:
- Seller concessions
- Rate buydowns
- FHA financing
- Future refinancing opportunities
- Down payment assistance programs
For years, Millennials have dominated conversations about first-time homebuyers. Now, another generation is making its move.
According to the latest ICE Mortgage Monitor, Gen Z buyers accounted for a record 20% of home purchase rate locks during the second quarter of 2026. Nearly one-third of all first-time buyer loans were made to Gen Z borrowers, and they represented more than one-quarter of FHA purchase loans.
Despite higher home prices and mortgage rates, younger buyers are finding ways to become homeowners by adjusting expectations, utilizing FHA financing, and taking advantage of down payment assistance programs.
Gen Z buyers expect more than just access to listings—they're looking for guidance. They value REALTORS® who educate them on financing options, explain the buying process clearly, and communicate quickly through digital channels.
North Central Jersey Association of REALTORS® (NCJAR) is proud to share the success of our 2026 Summer Food Drive and extend our sincere gratitude to everyone who participated.
Thanks to the generosity of our members, affiliates, and community supporters, NCJAR collected and donated 300 pounds of non-perishable food to The Community FoodBank of New Jersey (CFBNJ), a member of Feeding America®.
The Community FoodBank of New Jersey works to end hunger by distributing food through a network of more than 800 community partners, including local food pantries, soup kitchens, shelters, and child and senior feeding programs. Every donation helps provide meals and support to individuals and families facing food insecurity throughout New Jersey.
