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Directory of fha loan specialists in Elizabeth, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Elizabeth, 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 Elizabeth, 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.
Oportun
128 Elmora Ave, Elizabeth, NJ 07202
7324973253
Virtue Funding LLC
80 W Grand St 3rd Floor, Elizabeth, NJ 07201
9086562048
An FHA loan specialist in Elizabeth, New Jersey helps homebuyers navigate FHA insured mortgages. These loans are popular in New Jersey due to lower down payment requirements and flexible credit guidelines. Elizabeth residents often use FHA loans for first time home purchases or refinancing in Union County.
What Does a FHA Loan Specialist in Elizabeth Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount, which can range from $3,000 to $5,000 on a $300,000 loan. Additional costs include an upfront mortgage insurance premium of 1.75 percent of the loan amount and annual mortgage insurance premiums of 0.55 to 0.85 percent. Appraisal fees in Elizabeth average $500 to $700. 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 Elizabeth New Jersey?
For 2024, the FHA loan limit for a single family home in Union County, which includes Elizabeth, is $498,257. This limit applies to standard FHA loans and can vary for higher cost areas.
Do I need a specific license to be an FHA loan specialist in New Jersey?
Yes, loan officers in New Jersey must hold a Mortgage Loan Originator license through the Nationwide Multistate Licensing System. They must also complete continuing education on New Jersey lending laws.
What is the minimum down payment for an FHA loan in New Jersey?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your score is between 500 and 579, you may need a 10 percent down payment.
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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.