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 5 fha loan specialists in Ramsey, 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.
Opulence Funding/Opulence Home Equity
500 N Franklin Tpke #303, Ramsey, NJ 07446
8006100293
Neil Surgenor - Mortgage Loan Officer
1100 Lake St, Ramsey, NJ 07446
2129339900
Clo Mortgage Group
47 N Franklin Tpke, Ramsey, NJ 07446
8455701228
Patrick Nicholson - Community Mortgage Loan Officer
535 E Crescent Ave, Ramsey, NJ 07446
2018033504
Steven G Seaton Jr. - Chase Home Lending Advisor - NMLS ID 1282001
555 N Franklin Tpke, Ramsey, NJ 07446
2014503406
What Does a FHA Loan Specialist in Ramsey Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1% to 1.75% of the loan amount. The upfront mortgage insurance premium is 1.75% of the base loan amount, and annual mortgage insurance premiums range from 0.45% to 1.05%. Additional costs may include appraisal fees of $500 to $700 and title insurance fees. 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 in Ramsey do?
An FHA loan specialist helps you apply for a Federal Housing Administration insured mortgage. They assist with credit requirements, down payment options, and the appraisal process. In New Jersey, they ensure the property meets FHA minimum property standards.
What are the FHA loan limits for Ramsey New Jersey?
For 2025, the FHA loan limit for a single-family home in Bergen County is $977,500. This limit applies to Ramsey as it is part of Bergen County. Higher limits apply for multi-unit properties.
What documents do I need for an FHA loan in New Jersey?
You need recent pay stubs, W-2 forms, tax returns from the last two years, bank statements, and a valid ID. New Jersey law also requires proof of homeowners insurance and a property survey in some cases.