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Directory of fha loan specialists in South Plainfield, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
South Plainfield, 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 4 fha loan specialists in South Plainfield, 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.
Alliance Mortgage
900 Oak Tree Ave suite b, South Plainfield, NJ 07080
9082229511
Lava Mortgage Solutions LLC
51 Cragwood Rd Suite 305, South Plainfield, NJ 07080
8483918624
Kwik Mortgage Corporation
1 Cragwood Rd #103a, South Plainfield, NJ 07080
8882517283
E&D Finance - Home Mortgage Lender | RR EE
400 Metuchen Rd, South Plainfield, NJ 07080
7323653648
FHA loan specialists in South Plainfield, New Jersey help homebuyers secure mortgages insured by the Federal Housing Administration. These loans are popular in New Jersey due to lower down payment requirements and flexible credit guidelines. Local specialists understand New Jersey specific property tax rules and can guide you through the states unique appraisal process.
What Does a FHA Loan Specialist in South Plainfield Cost?
FHA loan costs in New Jersey include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 to 1.05 percent depending on loan terms and down payment. Closing costs in South Plainfield typically range from 2 to 5 percent of the purchase price. These costs can vary by lender and property. 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 down payment requirements for an FHA loan in South Plainfield?
FHA loans require a minimum down payment of 3.5 percent for borrowers with a credit score of 580 or higher. For scores between 500 and 579, a 10 percent down payment is needed. These requirements apply across New Jersey including South Plainfield.
Are there New Jersey specific rules for FHA loan inspections?
Yes, New Jersey requires a termite inspection as part of the FHA appraisal process. The property must also meet FHA minimum property standards which include safety and structural integrity checks. Local South Plainfield specialists can coordinate these inspections.
How long does an FHA loan approval take in New Jersey?
The typical FHA loan approval process in New Jersey takes 30 to 45 days from application to closing. Delays can occur if the property needs repairs to meet FHA standards or if appraisal issues arise. Your specialist can provide a timeline based on your specific case.
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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.