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Directory of fha loan specialists in Middlesex, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Middlesex, 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 3 fha loan specialists in Middlesex, 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.
National Rate Mortgage
1316 Bound Brook Rd Suite 2C, Middlesex, NJ 08846
8889172837
National Rate
1316 Bound Brook Rd, Middlesex, NJ 08846
7322185383
Brian Cohen - National Rate Mortgage
1316 Bound Brook Rd Suite 2C, Middlesex, NJ 08846
7325513712
FHA loan specialists in Middlesex, New Jersey help homebuyers and homeowners navigate FHA-insured mortgages. These loans are popular in New Jersey due to lower down payment requirements and flexible credit guidelines. Middlesex County has specific property value limits that affect FHA loan amounts, so local expertise is valuable.
What Does a FHA Loan Specialist in Middlesex Cost?
Typical costs for FHA loan specialist services in New Jersey include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Lender origination fees range from 0.5 percent to 1.0 percent of the loan amount. Appraisal fees in Middlesex County average $500 to $700. These costs vary by lender and loan size. 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 Middlesex do?
An FHA loan specialist guides you through the FHA loan process, from pre-approval to closing. They explain New Jersey specific requirements, such as property condition standards and local loan limits. They also help you gather documents and submit your application to an FHA approved lender.
What are the FHA loan limits for Middlesex County New Jersey?
For 2024, the FHA loan limit for a single family home in Middlesex County is $498,257. This limit is higher than the standard national limit because Middlesex is a high cost area. Limits change annually and may vary for multi unit properties.
Do I need a special license to be an FHA loan specialist in New Jersey?
Yes, FHA loan specialists in New Jersey must hold a valid mortgage loan originator license from the New Jersey Department of Banking and Insurance. They must also complete annual continuing education and pass a background check. FHA itself does not license individuals but requires lenders to be FHA approved.
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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.