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Showing 2 fha loan specialists in Hawthorne, 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.
Silex Financial Group, Inc.
674 Lafayette Ave, Hawthorne, NJ 07506
9734230506
Jim Christopoulos
674 Lafayette Ave, Hawthorne, NJ 07506
2014000010
What Does a FHA Loan Specialist in Hawthorne Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount and third party fees for appraisal and credit report. Appraisal fees in Hawthorne range from $500 to $700. Closing costs for an FHA loan in New Jersey usually total 3 to 5 percent of the purchase price. 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 credit score requirements for an FHA loan in Hawthorne New Jersey?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. If your score is between 500 and 579 you may still qualify but need a 10 percent down payment. New Jersey lenders may have their own overlays so check with a local specialist.
Are there New Jersey specific limits for FHA loan amounts in Hawthorne?
Yes FHA loan limits vary by county. For Passaic County where Hawthorne is located the 2025 single family home limit is typically around $498,257. A local specialist can confirm the exact current limit for your property.
Do I need New Jersey mortgage insurance for an FHA loan?
Yes FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount plus an annual premium paid monthly. New Jersey law does not change this federal requirement. The annual premium depends on your loan term and down payment.