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Directory of fha loan specialists in Oakland, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
2 agents listed
Updated May 2026
Oakland, 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 Oakland, 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 Home Lending
345 Ramapo Valley Rd, Oakland, NJ 07436
2013374125
NJ Lenders Corp.- Mahwah, NJ
21 Franklin Ave, Oakland, NJ 07436
9738900005
An FHA loan specialist in Oakland, New Jersey can guide you through the process of obtaining a government-backed mortgage. New Jersey law requires all loan originators to be licensed through the Nationwide Multistate Licensing System (NMLS). Oakland residents often use FHA loans for its lower down payment requirements and flexible credit guidelines.
What Does a FHA Loan Specialist in Oakland Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount, plus third-party fees for appraisal (usually $500 to $700), credit report ($30 to $50), and title services ($800 to $1,200). Closing costs for an FHA loan in New Jersey generally range from 3 to 6 percent of the purchase price. Note that 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 Oakland New Jersey?
For 2025, the FHA loan limit for a single-family home in Bergen County, which includes Oakland, is $1,209,750. This limit applies to high-cost areas and is set by the Department of Housing and Urban Development (HUD).
What is the minimum down payment for an FHA loan in New Jersey?
The minimum down payment for an FHA loan is 3.5 percent of the purchase price if your credit score is 580 or higher. If your credit score is between 500 and 579, you may need a 10 percent down payment.
Do FHA loans require mortgage insurance in New Jersey?
Yes, all FHA loans require both an upfront mortgage insurance premium (UFMIP) of 1.75 percent of the loan amount and an annual mortgage insurance premium (MIP) paid monthly. The annual MIP rate varies based on loan term and loan-to-value ratio.
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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.