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New Jersey Mortgage Lenders
FHA Loan Limits for Refinancing and New Jersey Home Buying
New Jersey rates dropped to 3.75% for fixed FHA home loans up to 625,500 for refinance or New Jersey home buying. Jersey homeowners who have mortgage loans greater than the $625,500 barrier should consider jumbo loans. New Jersey mortgage loans from FHA have helped stimulate refinancing and purchase loan efforts after the subprime mortgage crash in 2006. Many Jersey borrowers can still benefit from the New Jersey loan amounts with FHA because refinancing into a fixed rate home loan can significantly reduce your monthly payment. Nationwide continues to provide Americans homeowners with cost effective home loans.
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Refinancing New Jersey home loans has never been easier with cash out available from 85% to 95% Loan to Value for qualified borrowers . HUD raised the New Jersey mortgage maximum limits for 2008 but lowered the New Jersey FHA limits in 2011. In 2013 borrowers can expect stability with New Jersey FHA loan limits staying the same as 2012. Learn more about refinance guidelines online at New Jersey Mortgage Refinance. For home equity guidelines, please go to New Jersey Home Equity Loans.
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New Jersey Mortgage Limits for FHA Loans by County
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MSA Name |
County Name |
State |
One-Family |
Two-Family |
Three-Family |
Four-Family |
EDISON , NJ METROPOLITAN |
OCEAN |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
EDISON |
MONMOUTH |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
EDISON |
SOMERSET |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
EDISON |
MIDDLESEX |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEW YORK-WHITE PLAINS- WAYNE , NY -NJ METRO |
BERGEN |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEW YORK-WHITE PLAINS- WAYNE , NY -NJ METRO |
HUDSON |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEW YORK-WHITE PLAINS- WAYNE , NY -NJ METRO |
PASSAIC |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEWARK-UNION |
ESSEX |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEWARK-UNION |
UNION |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEWARK-UNION |
MORRIS |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEWARK-UNION , NJ- |
SUSSEX |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
NEWARK-UNION , NJ -PA METROPOLITAN |
HUNTERDON |
NJ |
$625,500 |
$934,200 |
$1,129,250 |
$1,403,400 |
OCEAN CITY , NJ |
CAPE MAY |
NJ |
$414,000 |
$624,100 |
$754,350 |
$937,500 |
ATLANTIC CITY |
ATLANTIC |
NJ |
$416,250 |
$580,850 |
$702,150 |
$872,600 |
CAMDEN |
CAMDEN |
NJ |
$379,500 |
$537,650 |
$649,900 |
$807,700 |
CAMDEN |
BURLINGTON |
NJ |
$379,500 |
$537,650 |
$649,900 |
$807,700 |
CAMDEN |
GLOUCESTER |
NJ |
$379,500 |
$537,650 |
$649,900 |
$807,700 |
WILMINGTON, DE-MD-NJ |
SALEM |
NJ |
$379,500 |
$537,650 |
$649,900 |
$807,700 |
TRENTON-EWING |
MERCER |
NJ |
$345,000 |
$563,250 |
$680,850 |
$846,150 |
VINELAND-MILLVILLE-BRIDGETON , NJ |
CUMBERLAND |
NJ |
$345,000 |
$518,450 |
$626,700 |
$778,850 |
ALLENTOWN-BETHLEHEM-EASTON , PA -NJ |
WARREN |
NJ |
$345,000 |
$515,250 |
$622,850 |
$774,050 |
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| Client Testimonials |
"After running up a mound of credit card debt, we needed a cash out refinance that would consolidate our debt into a payment we could afford. Nationwide helped us get approved for a great FHA mortgage that saved us over $600 a month. Thanks for all your help!"
– The Maccaluso Family
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