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Current Mortgage Rates in NJ: HSH FHA/VA Showcase

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Crossroads Finance Last update: 10/27/2014 New Jersey NJ`s Discount Lender. We Will Beat Anyone`s Rates + Fees. Period. Easy, Fast, + Friendly.

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New Jersey Mortgages

New Jersey FHA mortgage

FHA Loans are government insured loans from the Federal Housing Administration and are an attractive option for homebuyers who want to refinance.

For New Jersey, 9 counties have an FHA loan limit that range from $271,050 to $414,000 and 12 counties are at $625,500.

As of January 1, 2014, HUD approves new lower loan limits to take effect for FHA single-family loans. The current standard loan limit for areas where housing costs are relatively low will remain unchanged at $271,050. The new national-ceiling loan limit for the very highest cost areas will be reduced from $729,750 to $625,500. See the chart below for loan limits in your county.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-FamilyMedian Sale Price
Atlantic $316,250 $404,850 $489,350 $608,150 $200,000
Bergen $625,500 $800,775 $967,950 $1,202,925 $783,000
Burlington $379,500 $485,800 $587,250 $729,800 $310,000
Camden $379,500 $485,800 $587,250 $729,800 $310,000
Cape May $414,000 $530,000 $640,650 $796,150 $330,000
Cumberland $271,050 $347,000 $419,425 $521,250 $115,000
Essex $625,500 $800,775 $967,950 $1,202,925 $783,000
Gloucester $379,500 $485,800 $587,250 $729,800 $310,000
Hudson $625,500 $800,775 $967,950 $1,202,925 $783,000
Hunterdon $625,500 $800,775 $967,950 $1,202,925 $783,000
Mercer $345,000 $441,650 $533,850 $663,450 $235,000
Middlesex $625,500 $800,775 $967,950 $1,202,925 $783,000
Monmouth $625,500 $800,775 $967,950 $1,202,925 $783,000
Morris $625,500 $800,775 $967,950 $1,202,925 $783,000
Ocean $625,500 $800,775 $967,950 $1,202,925 $783,000
Passaic $625,500 $800,775 $967,950 $1,202,925 $783,000
Salem $379,500 $485,800 $587,250 $729,800 $310,000
Somerset $625,500 $800,775 $967,950 $1,202,925 $783,000
Sussex $625,500 $800,775 $967,950 $1,202,925 $783,000
Union $625,500 $800,775 $967,950 $1,202,925 $783,000
Warren $372,600 $477,000 $576,550 $716,550 $200,000