Joe Hathaway

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As a Member of Congress, I will fight to eliminate and cut the tax burden on first-time homebuyers so buying a home is a steppingstone, not a financial trap.

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I will support and introduce legislation that provides a federal tax freeze for first-time homebuyers during their first years of ownership, putting money back in the pockets of families when they need it most.

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I will back a refundable federal tax credit for first-time buyers to help offset upfront costs like closing fees, inspections, and moving expenses, making it easier to get into a home without taking on more debt.

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While property taxes are set locally, Congress can help. New Jersey receives around 75 cents for every dollar paid to Washington D.C., ranking among the lowest returns nationally. We must be doing more to ensure our residents are getting their fair share of tax dollars working for them. I will push for federal incentives to come back to New Jersey that encourage counties and municipalities to freeze or reduce property taxes for first-time homebuyers, especially for middle-income families.

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I will support plans which are targeted and responsible, focused on first-time buyers, income-capped to protect taxpayers, and designed to expand homeownership without fueling runaway spending or inflation.

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College should be affordable for those who choose it. But it should not be the only path to success. We also need to invest in vocational, technical, and skills-based training that prepares workers to build our infrastructure, strengthen our economy, and keep America competitive.

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I support capping federal student loan interest rates, so students and families aren’t punished by compounding interest long after they’ve paid back the original cost of their education.

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No young person should see their loan balance grow year after year simply because of interest. I will work to ensure student loan interest rates are predictable, reasonable, and tied to economic reality, not a predatory appetite for revenue.

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Not every good job requires a four-year degree. I will fight for expanded federal investment in vocational schools, technical training programs, apprenticeships, and partnerships with local employers, especially in fields like construction and the trades, advanced manufacturing, energy, healthcare, and transportation.

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We need to stop treating skilled trades as a backup plan. I will push for policies that modernize career and technical education, expand access to certifications, and help students move directly from training into well-paying, in-demand jobs.

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I support expanding the Child Tax Credit outlined in the Working Families Tax Cut Act, which is delivering meaningful, targeted tax relief to families raising children, especially during the most expensive early years. Working parents should be able to keep more of what they earn while they’re doing the most important job there is: raising their children. In Washington, I will fight to expand the Child Tax Credit to a larger amount.

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Childcare is not a luxury; it’s too often become a necessity for working families. I will fight to introduce and expand a dedicated childcare tax credit that helps families afford safe, reliable, high-quality care without forcing parents to choose between their careers to keep food on the table or their children.

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I will fight to require hospitals and insurers to publish real, upfront prices for procedures and services so families can plan and budget with confidence. I will also support strong penalties for providers and insurers that hide pricing, and expand access to clear, user-friendly comparison tools so patients can shop for care the same way they do for any other major expense. Transparency creates competition, and competition lowers costs. I also support lowering the cap on Medicare premiums to reduce out-of-pocket costs for seniors, helping them access care without financial stress.

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Too much of what families pay never reaches doctors or improves care. I will work to cut out unnecessary middlemen, including Pharmacy Benefit Managers, whose self-interested practices often drive-up prescription drug costs without adding value.

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Raising kids means needing flexibility, but our current healthcare system doesn’t offer much of it. I will support expanding Health Savings Accounts by increasing contribution limits so families can save more money tax-free for medical expenses; allowing HSAs to cover more services, including mental health care, telehealth, and childcare-related healthcare needs; and by allowing spouses to share HSAs, so families can manage healthcare costs together.

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Small businesses and self-employed workers are a backbone of New Jersey’s economy, but they’re being priced out of healthcare. I will fight to expand Association Health Plans, allowing small businesses to pool together and access affordable coverage. I will also support targeted tax credits for small businesses that offer coverage helping employers take care of their workers without sacrificing their bottom line.

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Healthcare should work for families, not against them. I want peace of mind knowing my kids, my relatives, and our senior neighbors can get the care they need without financial anxiety. Innovation, data, and accountability can deliver better outcomes at lower costs if Washington gets out of the way and lets transparency and competition work.

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I’ll bring a parent’s urgency and an insider’s understanding to Congress to lower costs, expand choice, strengthen New Jersey’s leadership in medical innovation, and make healthcare work better for families across our state.

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NJ-11 is one of the most densely populated areas in the state and a major commuting hub to New York City, anchored by critical rail lines and major highway corridors. Our transportation system should reflect that reality. Instead, too many commuters face overcrowded trains, unreliable service, congested highways, and infrastructure that hasn’t kept pace with the communities it serves. I believe it’s time for a serious federal investment in transportation, focused on commuter rail, modern stations, and maintaining and improving the roads families rely on every day.

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The Gateway Tunnel is the single most important infrastructure project in the Northeast. It is essential not just for New Jersey, but for the entire national economy. As a Member of Congress, I will fight to ensure Gateway is fully funded; prevent construction delays and cost overruns; and push for accelerated timelines wherever possible. Gateway is not optional. It is foundational to expanding service, improving reliability, and unlocking the full potential of our rail network.

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For commuters, fewer transfers mean shorter commutes, greater reliability, and a better quality of life. I strongly support expanding One Seat Ride service to and from New York City wherever feasible. Other regions across the country have shown that direct, frequent commuter rail service reduces congestion, increases ridership, strengthens regional economies, and makes communities more attractive for families and employers. North Jersey should benefit from the same forward-thinking investment.

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Before building entirely new systems, we must first invest in and modernize the rail infrastructure we already have. That means safe, accessible, and reliable stations; upgraded signaling and power systems; improved parking, pedestrian access, and last-mile connections; and infrastructure that reflects the communities it serves.

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Reliable roads are just as critical as reliable rail. I-78 and I-80 are two of the most important transportation corridors running through NJ-11, carrying commuters, small businesses, and interstate commerce every day. In Congress, I will work closely with the U.S. Department of Transportation, state agencies, and local partners to secure federal investment to repair, modernize, and maintain these highways.

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Investing in commuter rail, highways, and critical infrastructure isn’t just about concrete and steel, it’s about quality of life, economic competitiveness, and keeping New Jersey moving forward. In Congress, I will fight for the federal investment, oversight, and regional cooperation needed to build a transportation system worthy of North Jersey and the families who depend on it every day.

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America can protect the environment and lower costs at the same time. But that requires serious leadership and a commitment to solutions that are reliable, affordable, and built here at home, not policies that punish families, send jobs overseas, or are reliant on importing foreign energy.

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I support a balanced, all-of-the-above energy policy that includes nuclear, natural gas, solar, and land-based wind. Each plays a part in strengthening reliability, lowering costs, and reducing emissions. Picking winners and losers in Washington only raises prices and weakens energy security. And here in New Jersey, we love our Jersey Shore. I will not support policies that build offshore wind turbines or provide foreign companies with billion-dollar contracts.

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I will fight policies that have been driving up energy bills by limiting supply or overregulating innovation. Lower prices come from responsible production, modern infrastructure, and smart permitting, not from artificial scarcity that hurts working families. We must also work with our state and local officials to hold our grid operators accountable for cheaper and more reliable supplies.