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Directory of fha loan specialists in Rutherford, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
5 agents listed
Updated May 2026
Rutherford, 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 5 fha loan specialists in Rutherford, 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.
FHA loan specialists in Rutherford, New Jersey help homebuyers navigate FHA-insured mortgages, which are popular for their low down payment options. New Jersey law requires all mortgage loan originators to be licensed through the NMLS, ensuring they meet state standards. Local specialists understand Bergen County property values and can guide you through the specific documentation needed for FHA approval.
What Does a FHA Loan Specialist in Rutherford Cost?
Typical costs for FHA loan specialist services in New Jersey include an origination fee of 1 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Appraisal fees in Rutherford range from $500 to $700, and credit report fees are about $30 to $50. Closing costs generally total 2 to 5 percent of the purchase price. This is general information 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 limits for Rutherford, New Jersey in 2025?
For 2025, the FHA loan limit for a single-family home in Bergen County, including Rutherford, is $1,209,750. This high limit reflects the high cost of housing in the New York City metro area. Limits are adjusted annually by the Department of Housing and Urban Development.
What credit score is needed for an FHA loan in New Jersey?
The minimum credit score for an FHA loan is typically 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may still qualify but must put down at least 10 percent. Each lender may have its own overlays, so requirements can vary.
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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.