Special Financing Available! This home qualifies for the Community Loan Program - an exclusive opportunity for first-time buyers featuring a low 5.6% interest rate, NO PMI, and low down payments starting at just 5%. A rare chance to make homeownership more affordable and within reach! rarely seen in today's market. Welcome to this beautiful 19th-century, 4-bedroom, 2.5-bath home, nestled in the heart of the historic Bergen Hill district. This rare gem showcases exquisite period details that have been beautifully preserved, offering the perfect blend of old-world charm and modern comfort. As you enter, you are greeted by the parlor room, where intricate parquet floors create an ambiance of timeless elegance. The craftsmanship continues through the ornate columned entryway, leading to the expansive living and dining room-an ideal setting for entertaining guests or simply unwinding in a space rich with character. The open-concept kitchen, located on the ground level, is outfitted with stainless steel appliances, making it a perfect space for culinary enthusiasts. This level also features a half bath, designed for convenience and ease of use. The four generously sized bedrooms, spanning two upper levels, are bathed in natural light from large windows and feature beautiful hardwood floors throughout. The upper levels complete the home with two full baths. This residence also boasts five original, handcrafted fireplaces and mantels, each serving as a striking focal point that speaks to the artistry of a bygone era. Venture outside to discover a spacious backyard patio, perfect for summer gatherings and barbecues. The front garden and walkway further enhance the home's curb appeal, providing a warm and inviting entrance. With its unmatched character and boundless potential, this home is a rare find in Jersey City's Bergen Hill. Don't miss the opportunity to own a piece of history while enjoying the comforts of modern living!