Prohibits certain financial institutions from requiring certain disabled veterans to include anticipated property tax obligations as part of mortgage applications.

New Jersey's S 4152 prevents state-chartered banks, mortgage companies, and credit unions from requiring disabled veterans with a 100% service-connected VA disability (or their surviving spouses) to include property tax costs in mortgage applications. If the veteran's municipality certifies they qualify for a property tax exemption (excluding ownership requirements for new purchases or including ownership for refinances), lenders cannot factor those taxes into loan approval. This applies to mortgages for homes the veteran will occupy as their primary residence. The law mandates lenders use a standardized certification form from the municipality to verify exemption eligibility before approving the loan.