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Directory of fha loan specialists in Bloomfield, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Bloomfield, NJ
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the New Jersey before hiring.
Showing 2 fha loan specialists in Bloomfield, NJ
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Aceland Mortgage LLC
16 Orange St # 101, Bloomfield, NJ 07003
9738335288
Peter Vander Valk: Mortgage Loan Officer
16 Orange St # 101, Bloomfield, NJ 07003
7325526844
An FHA loan specialist in Bloomfield New Jersey helps homebuyers navigate Federal Housing Administration insured loans. These loans are popular for first time buyers and those with lower credit scores. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance.
What Does a FHA Loan Specialist in Bloomfield Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee usually 1 percent of the loan amount and third party fees for appraisal credit report and title services. Total closing costs often range from 3 to 6 percent of the purchase price. For a $300,000 home this means closing costs between $9,000 and $18,000. This is general information not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What are the FHA loan limits for Bloomfield New Jersey in 2025?
For 2025 the FHA loan limit for a single family home in Essex County which includes Bloomfield is $498,257. This limit is set by HUD and applies to most areas in the county. Higher limits may apply for duplexes or larger properties.
What credit score is needed for an FHA loan in New Jersey?
The minimum credit score for an FHA loan is typically 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Each lender may have its own requirements above the FHA minimum.
Do FHA loans in New Jersey require mortgage insurance?
Yes all FHA loans require both an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium paid monthly. The annual premium rate depends on the loan term and loan to value ratio. This insurance protects the lender if the borrower defaults.
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the New Jersey.