ADVERTISING DISCLOSURE: BeforeMortgageUSA.com is an informational directory, not an mortgage company or broker. We do not sell insurance or provide mortgage or financial advice. No broker-client relationship is created by using this site. No broker listed on this site has paid for, authorized, or approved their listing. This is an advertisement.
Find FHA Loan Specialists Near You in Somerville, NJ
Browse fha loan specialists serving Somerville, New Jersey. Contact information and addresses listed below.
7 agents listed
Updated May 2026
Somerville, 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 7 fha loan specialists in Somerville, 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.
Dana Ailes - Gateway Mortgage
15 N Gaston Ave, Somerville, NJ 08876
9084090344
RealFi Home Funding Corp.
75-77 N Bridge St, Somerville, NJ 08876
9086510990
Scott Metaxas - Gateway Mortgage
15 N Gaston Ave, Somerville, NJ 08876
9088297610
Gateway Mortgage
15 N Gaston Ave, Somerville, NJ 08876
9084090352
Summit Financial Mortgage
54 Grove St, Somerville, NJ 08876
9082539700
Ashley Furman
50 Division St Suite 202, Somerville, NJ 08876
2015780751
Rick Evers - Gateway Mortgage
15 N Gaston Ave, Somerville, NJ 08876
9084090352
FHA loan specialists in Somerville, 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. Working with a local specialist ensures you understand state-specific rules and closing procedures.
What Does a FHA Loan Specialist in Somerville Cost?
Typical costs for FHA loan specialist services in New Jersey include an origination fee of 1% of the loan amount and a mortgage insurance premium of 1.75% upfront plus 0.55% annually. Appraisal fees range from $500 to $700. Closing costs generally total 3% to 5% of the loan amount. These 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 does an FHA loan specialist in Somerville do?
An FHA loan specialist guides you through the FHA loan process, from pre-approval to closing. They help you understand New Jersey specific requirements such as property condition standards and local appraisal rules.
What are the FHA loan limits for Somerville New Jersey?
FHA loan limits for Somerset County, which includes Somerville, are set annually by the HUD. For 2024, the standard limit for a single-family home is $498,257 for high-cost areas. Check with a local specialist for the exact current limit.
Do I need a special license to be an FHA loan specialist in New Jersey?
Yes, all mortgage loan originators in New Jersey must hold a valid license from the New Jersey Department of Banking and Insurance. They must also complete annual continuing education on state and federal lending laws.
Free • No Obligation
Compare FHA Loan Specialists
Get matched with agents in Somerville who handle your type of case.
Affiliate Form Embed
Replace with iframe/embed code from your affiliate network
Affiliate Disclosure
The form above is provided by a third-party legal marketing service. BeforeMortgageUSA.com receives compensation when you submit a qualified inquiry. This is a free service with no obligation to hire any broker. Your information is collected and handled by the form provider according to their privacy policy.
Legal Notice
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.