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Find FHA Loan Specialists Near You in Morristown, NJ
Directory of fha loan specialists in Morristown, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
11 agents listed
Updated May 2026
Morristown, 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 11 fha loan specialists in Morristown, 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.
FHA loan specialists in Morristown New Jersey help homebuyers secure government-backed mortgages with lower down payments. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. Local specialists understand Morristown market conditions and can guide you through FHA eligibility and property requirements.
What Does a FHA Loan Specialist in Morristown Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 0.5 to 1.0 percent of the loan amount plus third-party fees for appraisal title search and credit report. Upfront mortgage insurance premium is 1.75 percent of the loan amount and annual mortgage insurance ranges from 0.45 to 1.05 percent. Costs vary by lender and loan size. 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 Morristown New Jersey?
For 2025 the FHA loan limit for a single-family home in Morris County is $498,257. This limit applies to most areas in Morristown and may be higher for multi-unit properties.
Do I need a special license to be an FHA loan specialist in New Jersey?
Yes all FHA loan specialists in New Jersey must hold a valid Mortgage Loan Originator license from the New Jersey Department of Banking and Insurance. They must also complete annual continuing education on state and federal lending laws.
What credit score is required for an FHA loan in New Jersey?
The minimum credit score for an FHA loan is typically 580 with a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
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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.