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Looking for a fha loan specialist in Montclair? Review the directory below to compare your options.
3 agents listed
Updated May 2026
Montclair, 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 3 fha loan specialists in Montclair, 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.
Platinum Mortgage LLC
75 Midland Ave, Montclair, NJ 07042
9733375950
First Prestige Mortgage Services Inc DBA Minority Heritage Mortgage
110 Valley Rd, Montclair, NJ 07042
9737448300
Brett Lehman - Chase Home Lending Advisor - NMLS ID 142413
19 N Fullerton Ave, Montclair, NJ 07042
2012076023
An FHA loan specialist in Montclair, New Jersey helps homebuyers navigate FHA-insured mortgages. These loans are popular in New Jersey due to lower down payment requirements and flexible credit guidelines. Local specialists understand Essex County property values and New Jersey specific regulations like the state mandated disclosure requirements for FHA loans.
What Does a FHA Loan Specialist in Montclair Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1% to 1.5% of the loan amount and third-party fees for appraisal, credit report, and title search. For a $400,000 loan in Montclair, total closing costs often range from $8,000 to $12,000. New Jersey also charges a state mortgage recording tax of 0.23% to 0.31% of the loan amount. Note that these are general estimates; actual costs vary by lender and property. 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 are the FHA loan limits for Montclair New Jersey in 2025?
For 2025, the FHA loan limit for a single-family home in Essex County, including Montclair, is $1,149,825 for high-cost areas. This limit applies to most of northern New Jersey. A specialist can confirm the exact limit for your property type.
What documents do I need for an FHA loan application in New Jersey?
You need proof of income like recent pay stubs and tax returns, bank statements for asset verification, and a valid government ID. New Jersey also requires a signed disclosure about flood insurance if the property is in a flood zone. Your specialist will provide a complete checklist.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
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.