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Find FHA Loan Specialists in Monmouth Junction, NJ
Directory of fha loan specialists in Monmouth Junction, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Monmouth Junction, 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 Monmouth Junction, 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.
All State Lenders Corp.
2088 US-130 #100, Monmouth Junction, NJ 08852
7329510333
Unique Mortgage Corporation
4105 US-1 STE 10, Monmouth Junction, NJ 08852
7329512313
Xpress Financial Mortgage Corp.
4270 US-1 #3, Monmouth Junction, NJ 08852
7329510808
An FHA loan specialist in Monmouth Junction, New Jersey helps homebuyers navigate Federal Housing Administration loans, which are popular for first-time buyers and those with lower credit scores. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. Local specialists understand Middlesex County property values and can guide you through FHA appraisal requirements specific to the area.
What Does a FHA Loan Specialist in Monmouth Junction Cost?
Typical costs for an FHA loan in New Jersey include an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount and an annual mortgage insurance premium (MIP) of 0.55% to 1.05% depending on loan term and down payment. Closing costs in New Jersey generally range from 2% to 5% of the purchase price, which can be $10,000 to $25,000 on a $500,000 home. These costs vary by lender and property. 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 Monmouth Junction in 2025?
For 2025, the FHA loan limit for a single-family home in Middlesex County, New Jersey is $498,257. This amount applies to standard FHA loans and may be higher for duplexes or larger properties.
What credit score do I need for an FHA loan in New Jersey?
You typically need a credit score of at least 580 to qualify for the 3.5% down payment option. If your score is between 500 and 579, you may still qualify but will need a 10% down payment. Each lender may have additional requirements.
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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.