Turn your home into a dream home If the home you want to buy needs repairs or remodeling, this special loan program can turn your dreams into reality. It is ideal for people who are seeking a first mortgage that combines purchase and rehabilitation, or if you want to improve your existing home. Home Enhancer features include: • Borrow up to 30% of "improved" value • No income limitations • Applies to 1-4 family, owner-occupied (includes second homes) and investment properties only; no condominiums • Properties must be in Bergen,Essex,Morris, Passaic or Union counties.