**EXCLUSIVE BUYER FINANCING INCENTIVES! This property may qualify for $15,000–$22,000 in down payment and/or closing cost assistance, along with exclusive Community Lending Program benefits, including reduced interest rates and no private mortgage insurance (PMI). These exceptional financing opportunities could make homeownership more affordable than ever! Contact Jackie Koven at CrossCountry Mortgage for additional information on available grants, financing options, and eligibility requirements. Interest rates as low as 4.5%** Welcome to this beautifully modernized Victorian farmhouse on a 25x100 lot in the heart of Bergen-Lafayette, just minutes from Manhattan. This fully detached two family offers flexibility and upside for owner occupants and investors alike. The larger unit is a 4 bedroom, 2 bathroom duplex spanning the upper levels, featuring a spacious owners suite at the top floor, tasteful finishes, and original character like the decorative mantel in the living room that preserves the home’s Victorian character. The parlor level unit offers 2 bedrooms with a 3rd flex room, and 1 bathroom with its own private layout. Both units feature brand new kitchens and bathrooms with modern fixtures throughout, plus central air. The private yard can function as a shared amenity or be divided for separate use between units, offering added flexibility for tenants or multigenerational living. Located in Bergen Lafayette, one of Jersey City’s fastest growing neighborhoods with easy access to transit into Manhattan, this property is a strong opportunity for house hacking, rental income, or long term investment.