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Find FHA Loan Specialists Near You in Perth Amboy, NJ
Directory of fha loan specialists in Perth Amboy, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Perth Amboy, 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 4 fha loan specialists in Perth Amboy, 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.
Garden State Lending
563 B Amboy Ave, Perth Amboy, NJ 08861
9738765752
Bancasa Mortgage Corporation
400 Smith St, Perth Amboy, NJ 08861
7324420715
Chase Mortgage
130 Smith St, Perth Amboy, NJ 08861
7324428157
Robert Tornatore - 625004 - Wells Fargo Home Mortgage
214 Smith St, Perth Amboy, NJ 08861
9082279834
An FHA loan specialist in Perth Amboy helps home buyers and homeowners navigate FHA insured mortgages. These loans are popular in New Jersey because they allow lower down payments and flexible credit requirements. Local specialists understand New Jersey specific rules such as the state required home inspection and flood zone regulations in Middlesex County.
What Does a FHA Loan Specialist in Perth Amboy Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 percent of the loan amount. Closing costs usually range from 3000 to 5000 dollars for a standard home purchase. The FHA upfront mortgage insurance premium is 1.75 percent of the loan amount added to the loan balance. Annual mortgage insurance premiums vary from 0.45 to 1.05 percent based on loan term and down payment. 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 Perth Amboy?
An FHA loan specialist guides you through the FHA loan process including pre approval application and closing. They help you meet FHA requirements and New Jersey specific rules like the state mandated property disclosure form. They also coordinate with local appraisers and underwriters.
What are the FHA loan limits for Perth Amboy New Jersey?
For 2024 the FHA loan limit for a single family home in Middlesex County is 498257 dollars. This limit applies to most areas in Perth Amboy. Higher limits may apply for duplexes triplexes and four unit properties.
Do I need a special license to be an FHA loan specialist in New Jersey?
Yes FHA loan specialists must hold a New Jersey mortgage loan originator license. This requires completing 20 hours of pre licensing education passing a national and state exam and undergoing a background check. The license is regulated by the New Jersey Department of Banking and Insurance.
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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.