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 8 fha loan specialists in Edison, 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.
Motto Mortgage Success
1199 Amboy Ave Suite 1A, Edison, NJ 08837
7326621475
Jennifer DeGrezia Alessio at Luminate Bank
505 Thornall St # 303, Edison, NJ 08837
9739074801
Luminate Bank - Edison Branch
505 Thornall St Suite 406, Edison, NJ 08837
9734356156
Allison Rizzo Motto Mortgage Success
1199 Amboy Ave Suite 1A, Edison, NJ 08837
7322665184
Geremia Capital, LLC
1090 King Georges Post Rd #801, Edison, NJ 08837
7327385678
NJ Prime Mortgage
100 Plainfield Ave #1a, Edison, NJ 08817
7328235503
General Mortgage Capital Corporation - Edison
1981 Lincoln Hwy, Edison, NJ 08817
6503407800
Chase Home Lending
2163 Oak Tree Rd, Edison, NJ 08820
7324069514
What Does a FHA Loan Specialist in Edison Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Third party costs like appraisal and title search add 500 to 1500 dollars. This is general information and 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 Edison New Jersey?
For 2025, the FHA loan limit for a single-family home in Middlesex County including Edison is $498,257. This limit applies to most areas and is set by the Department of Housing and Urban Development.
What credit score do I need for an FHA loan in New Jersey?
You typically need a minimum credit score of 580 for a 3.5 percent down payment. With a score between 500 and 579 you may qualify with a 10 percent down payment. Each lender may have its own requirements.
Are there New Jersey specific rules for FHA loan inspections?
Yes. New Jersey requires a termite inspection for FHA loans in most cases. The property must also meet HUD minimum property standards including safe water supply and adequate heating.