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Looking for a fha loan specialist in Newton? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Newton, 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 Newton, 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.
Nations Lending - Bruce Laukaitis Team - Newton, NJ Branch - NMLS: 2521274
55 Trinity St Unit 1, Newton, NJ 07860
9735750097
Chase Mortgage
120 Hampton House Rd, Newton, NJ 07860
9733836434
An FHA loan specialist in Newton, New Jersey helps homebuyers navigate FHA-insured mortgages, which are popular for their lower down payment requirements. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. Newton residents benefit from local specialists who understand Sussex County property values and FHA loan limits, which for 2025 are set at $498,257 for a single-family home in the area.
What Does a FHA Loan Specialist in Newton Cost?
FHA loan specialists in New Jersey typically charge origination fees ranging from 0.5 percent to 1.5 percent of the loan amount. Closing costs for an FHA loan in Newton usually total between 3 percent and 5 percent of the purchase price, which includes appraisal fees, title insurance, and recording fees. Borrowers also pay 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. This information is general and 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 requirements in New Jersey?
FHA loans require a minimum 3.5 percent down payment for borrowers with a credit score of 580 or higher. The property must meet FHA appraisal standards and be your primary residence. New Jersey also requires all borrowers to complete a HUD-approved homeownership counseling session if they are first-time homebuyers.
How do I find a licensed FHA loan specialist in Newton?
You can search for licensed mortgage loan originators on the Nationwide Multistate Licensing System website. In New Jersey, all loan officers must hold a valid license and display their NMLS number. Local banks and credit unions in Newton often have specialists who handle FHA loans.
What is the FHA loan limit for Sussex County in 2025?
For 2025, the FHA loan limit for a single-family home in Sussex County, which includes Newton, is $498,257. Higher limits apply for two-unit, three-unit, and four-unit properties. These limits are set by the U.S. Department of Housing and Urban Development and are adjusted annually based on median home prices.
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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.