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.

New Jersey Mortgage Rates Starting at 3.75% on FHA Loans!

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.

New Jersey Mortgage Limits for FHA Loans by County

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


 

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


Resource Tools

Refinance Resources

Best Time to Refinance
How to Refinance a Mortgage

When to Refinance a Home


Additional FHA Refinancing Pages:
FHA Refinancing Loans | 203K FHA Home Improvement Loans | FHA Streamline Refinance | 100% Refinancing | Bad Credit Refinance |
FHA for Bad Credit Refinancing | FHA Refinancing Loans | Home Loan for Bad Credit | Best Time to Refinance | FHA Mortgage Limits by State | FHA Home Financing | Get Pre-Qualified for a FHA Mortgage | Down Payment Requirements on a FHA Loan | Pre-Approval Letter for a Home Loan with FHA | FHA Loan Qualification
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