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Compare fha loan specialists in Ridgewood. Review contact information and insurance categorys before you decide.
7 agents listed
Updated May 2026
Ridgewood, 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 7 fha loan specialists in Ridgewood, 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.
Anne Ryoo, Branch Manager | Fairway Independent Mortgage
31 N Broad St, Ridgewood, NJ 07450
9175385855
Hudson Home Mortgage
171 E Ridgewood Ave, Ridgewood, NJ 07450
2016892200
Natalie McNaught at Carnegie Mortgage Partners
74 Godwin Ave, Ridgewood, NJ 07450
2016380003
Barnstable Mortgage Group LLC
545 N Maple Ave, Ridgewood, NJ 07450
2018181700
Carnegie Mortgage Partners LLC
74 Godwin Ave, Ridgewood, NJ 07450
2018009029
Rachel Velez - Chase Home Lending Advisor - NMLS ID 624065
An FHA loan specialist in Ridgewood, New Jersey helps homebuyers navigate FHA-insured mortgages, which are popular for their low down payment requirements. In New Jersey, FHA loans are subject to state-specific property tax proration rules and must comply with the New Jersey Consumer Fraud Act. Ridgewood buyers often work with specialists to understand local appraisal guidelines and New Jersey's strict foreclosure timeline.
What Does a FHA Loan Specialist in Ridgewood Cost?
In New Jersey, FHA loan specialist fees typically range from 1% to 2% of the loan amount, with a typical charge of $1,500 to $3,500 for a $300,000 loan. Additional costs include the upfront mortgage insurance premium of 1.75% of the loan amount and annual MIP of 0.55% to 0.85%. Closing costs in Ridgewood average 3% to 5% 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 does an FHA loan specialist in Ridgewood do?
An FHA loan specialist guides borrowers through the FHA loan process, including credit qualification, down payment assistance, and property appraisal. They ensure the loan meets HUD guidelines and New Jersey state regulations. Specialists also help with documentation for New Jersey-specific programs like the NJHMFA down payment assistance.
What are the FHA loan limits for Ridgewood New Jersey?
For 2025, the FHA loan limit for a single-family home in Bergen County, including Ridgewood, is $1,149,825. This high limit reflects the area's median home prices. Limits are updated annually by HUD and vary by county.
How long does the FHA loan process take in New Jersey?
The typical FHA loan process in New Jersey takes 30 to 45 days from application to closing. Delays can occur if the property requires repairs under FHA minimum property standards. New Jersey law requires a 3-day right of rescission for refinances, which extends the timeline.
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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.