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Find FHA Loan Specialists in Hillsborough Township, NJ
Looking for a fha loan specialist in Hillsborough Township? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Hillsborough Township, 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 Hillsborough Township, 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.
Mark Sanders at Prosperity Home Mortgage - Hillsborough
408 US-206, Hillsborough Township, NJ 08844
6097074756
Crossroads Financial Mortgage Inc.
450 Amwell Rd Suite J-4, Hillsborough Township, NJ 08844
9082210304
An FHA loan specialist in Hillsborough Township, New Jersey helps home buyers and homeowners 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 rules, including those for lead based paint and well water testing.
What Does a FHA Loan Specialist in Hillsborough Township Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 to 1.5 percent of the loan amount, plus an upfront mortgage insurance premium of 1.75 percent of the loan. Annual mortgage insurance premiums range from 0.45 to 1.05 percent of the loan balance. Appraisal fees in Somerset County average 500 to 700 dollars. 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 does an FHA loan specialist do in Hillsborough Township?
An FHA loan specialist guides borrowers through the FHA loan process. They help with pre approval, document collection, and understanding New Jersey specific requirements like flood zone checks and property appraisal standards.
What are the down payment requirements for an FHA loan in New Jersey?
FHA loans typically require a 3.5 percent down payment for borrowers with a credit score of 580 or higher. For scores between 500 and 579, a 10 percent down payment is usually needed. New Jersey law does not add extra down payment rules beyond federal FHA guidelines.
Are there any New Jersey specific rules for FHA loans?
Yes. New Jersey requires a property to meet minimum property standards set by HUD. This includes checks for lead based paint in homes built before 1978 and compliance with local well and septic system regulations in Hillsborough Township.
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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.