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Find FHA Loan Specialists Near You in Livingston, NJ
Compare fha loan specialists in Livingston. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Livingston, 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 Livingston, 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.
Mortgage, Bank of America
554 S Livingston Ave, Livingston, NJ 07039
8622454497
American Mortgage Company
179 S Livingston Ave, Livingston, NJ 07039
9732146214
An FHA loan specialist in Livingston, New Jersey can help you navigate FHA loan requirements and New Jersey specific mortgage regulations. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. A local specialist understands Livingston real estate values and can guide you through the FHA appraisal process for homes in Essex County.
What Does a FHA Loan Specialist in Livingston 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. Appraisal fees in Livingston usually cost between $500 and $700. Closing costs in New Jersey average 2 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 FHA loan limits for Livingston New Jersey?
For 2024, the FHA loan limit for a single family home in Essex County including Livingston is $498,257. This limit applies to standard FHA loans and may be higher for high cost areas if applicable.
What credit score is needed for an FHA loan in New Jersey?
FHA loans typically require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. New Jersey law does not add additional credit score requirements beyond FHA guidelines.
Are there New Jersey specific requirements for FHA loans?
New Jersey requires all FHA loans to include a property inspection for lead based paint if the home was built before 1978. The state also mandates that lenders provide a New Jersey specific mortgage disclosure statement within three business days of application.
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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.