Log in and reserve the mortgage credit certificate. Loan applications for firm approval (commitment) are processed in HUD's.Local Requirements page for the VA Loan Guaranty Service. Use the free New Jersey Online Filing Service to file your 2024 NJ-1040 return. It's simple and easy to follow the instructions, complete your NJ tax return,. Applying for a mortgage is one click away! For submissions in automated form, your reporting program should add leading zeros to the loan amount to.