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Browse fha loan specialists serving Newark, New Jersey. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Newark, 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 6 fha loan specialists in Newark, 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.
Mortgages By AJ
375 Chestnut St #3C, Newark, NJ 07105
9732234229
AMS Mortgage Services, Inc
375 Chestnut St, Newark, NJ 07105
9732761226
American Fidelity Mortgage, LLC
146 Delancy St, Newark, NJ 07105
9733444000
Joe Daleo at AMS Mortgage Services (NMLS #286430)
375 Chestnut St, Newark, NJ 07105
8445434436
West Forest Capital - Newark, NJ | Hard Money Loans, Real Estate Investment Loans & Bridge Loans
11 Summer Pl, Newark, NJ 07104
2125375833
Gary Johansen | Regional Sales Director | NMLS #339278 | Cliffco Mortgage Bankers
109 Nichols St, Newark, NJ 07105
5857038862
An FHA loan specialist in Newark, New Jersey can guide you through the process of obtaining a mortgage insured by the Federal Housing Administration. New Jersey has specific property tax and insurance requirements that affect FHA loan approval. Working with a local specialist helps ensure you meet all state and federal guidelines for Newark homes.
What Does a FHA Loan Specialist in Newark Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 to 2 percent of the loan amount, plus appraisal fees of $400 to $700. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent. Closing costs in Newark generally total 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 Newark New Jersey?
For 2024, the FHA loan limit for a single-family home in Essex County, which includes Newark, is $498,257. This limit applies to standard FHA loans and may be higher for high-cost areas.
What credit score is needed for an FHA loan in New Jersey?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Lenders in New Jersey may have their own overlays.
Are there New Jersey specific requirements for FHA loans?
New Jersey requires FHA borrowers to have a valid property appraisal and meet state property condition standards. The state also has specific rules for flood insurance in certain Newark areas. All FHA loans in New Jersey must comply with the New Jersey Consumer Protection Act.
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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.