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Looking for a fha loan specialist in Waretown? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Waretown, 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 3 fha loan specialists in Waretown, 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.
Len Herbert - Advisors Mortgage Group
461 US-9, Waretown, NJ 08758
7326845771
Advisors Mortgage Group - Waretown
461 US-9, Waretown, NJ 08758
7322923133
Smart Home Mortgage
461 US-9 #2, Waretown, NJ 08758
6403562221
Waretown residents seeking an FHA loan can work with a specialist who understands New Jersey specific guidelines. These loans are insured by the Federal Housing Administration and require a lower down payment than conventional mortgages. In New Jersey, FHA loans must meet state property standards and often require a home inspection by a licensed New Jersey home inspector.
What Does a FHA Loan Specialist in Waretown Cost?
FHA loan specialist fees in New Jersey typically range from 1 to 2 percent of the loan amount. Upfront mortgage insurance premium (UFMIP) is 1.75 percent of the loan, and annual MIP varies from 0.45 to 1.05 percent. Closing costs in Ocean County often total 3 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 credit score do I need for an FHA loan in Waretown?
Most FHA lenders in New Jersey require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may have additional requirements.
Are there New Jersey specific rules for FHA loans?
Yes, New Jersey requires FHA loans to comply with state property disclosure laws. The seller must provide a property condition disclosure statement. Also, New Jersey has a 3 business day right of rescission for refinances.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.