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Directory of fha loan specialists in Franklin, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Franklin, 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 2 fha loan specialists in Franklin, 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.
Chase Mortgage
300 NJ-23, Franklin, NJ 07416
9738279181
Residential Home Funding Corp.
385 NJ-23 2nd floor, Franklin, NJ 07416
9732090717
An FHA loan specialist in Franklin, New Jersey helps homebuyers navigate Federal Housing Administration insured loans. These loans often require a lower down payment and have flexible credit guidelines. In New Jersey, FHA loans must comply with state specific property condition and appraisal standards set by the New Jersey Department of Banking and Insurance.
What Does a FHA Loan Specialist in Franklin Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount and third party fees for appraisal, credit report, and title services. These third party fees often range from 500 to 2,000 dollars. Closing costs in New Jersey generally total 2 to 5 percent of the purchase price. This is general information, 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 is needed for an FHA loan in Franklin New Jersey?
Most FHA loans 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. Lenders in Franklin may have overlays that require a higher score.
What are the FHA loan limits for Franklin New Jersey?
For 2025, the FHA loan limit for a single family home in Somerset County, which includes Franklin, is typically around $498,257. Higher limits may apply for multi unit properties. These limits are set by the U.S. Department of Housing and Urban Development.
Do FHA loans in New Jersey require mortgage insurance?
Yes, all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Borrowers also pay an annual mortgage insurance premium, which varies based on loan term and down payment. This insurance protects the lender if the borrower defaults.
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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.