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Find FHA Loan Specialists Near You in Garfield, NJ
Directory of fha loan specialists in Garfield, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Garfield, 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 Garfield, 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.
Kevin Kearsey - Supreme Lending
222 Outwater Ln, Garfield, NJ 07026
2017394174
Arian E. Pena - Mortgage Lender - Family First Funding
352 Lanza Ave, Garfield, NJ 07026
6465085391
An FHA loan specialist in Garfield, New Jersey helps home buyers and homeowners navigate FHA-insured mortgages. These loans are popular in Bergen County due to lower down payment requirements and flexible credit guidelines. 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 Garfield Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1% to 1.5% of the loan amount, plus third-party fees for appraisal, credit report, and title search. Appraisal fees in Bergen County range from $500 to $700. Upfront mortgage insurance premium is 1.75% of the loan amount, and annual MIP ranges from 0.45% to 1.05% depending on loan terms. These costs can vary by lender and borrower situation. 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 does an FHA loan specialist in Garfield do?
An FHA loan specialist guides borrowers through the FHA loan process, from pre-approval to closing. They help determine eligibility, explain New Jersey specific property requirements, and assist with documentation. Specialists must follow federal HUD guidelines and New Jersey state lending laws.
What are the FHA loan limits for Garfield New Jersey?
For 2025, FHA loan limits in Bergen County, which includes Garfield, are higher than standard limits due to local home prices. The floor limit is typically around $498,257 for a single-family home, while the ceiling can reach over $1,149,825 in high-cost areas. A specialist can provide current exact limits.
Are there New Jersey specific requirements for FHA loans?
Yes, New Jersey requires all FHA loans to include a state specific mortgage insurance premium disclosure. Additionally, New Jersey has a 3-day right of rescission for refinances under federal law. The state also mandates that lenders provide a Good Faith Estimate within three business days of application.
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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.