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 13 fha loan specialists in Sparta, 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.
AnnMarie Schlaffer at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9739032258
National Loan Provider
25 Main St Unit B, Sparta, NJ 07871
8622932467
The Lending Source
48 Woodport Rd Suite 23, Sparta, NJ 07871
9736012122
Youssef Abdelhalim at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9738265035
Michael L. DeChristofano - Cardinal Financial
11 Main St, Sparta, NJ 07871
2014036587
Kelly McHale at AnnieMac Home Mortgage
10 Poplar Tree Ln, Sparta, NJ 07871
6107636807
Marissa Rossi - CrossCountry Mortgage
1 Professional Quad #1, Sparta, NJ 07871
8623540401
Joe Moschella at Rate (NMLS #12968)
270 S Sparta Ave Suite 204, Sparta, NJ 07871
9739398663
Erin Lamb- Cardinal Financial
17 Woodport Rd #2b, Sparta, NJ 07871
9736709805
Mary Beth Brannigan - Guaranteed Rate
18 Sparta Ave N Suite MB, Sparta, NJ 07871
9146465474
Landy Garcia at AnnieMac Home Mortgage
10 Poplar Tree Ln Unit 1, Sparta, NJ 07871
9732651610
Jhoany Jimenez at Rate (NMLS #2416870)
270 S Sparta Ave Suite 204, Sparta, NJ 07871
9738855097
Rate
270 S Sparta Ave Suite 204, Sparta, NJ 07871
9738855097
What Does a FHA Loan Specialist in Sparta Cost?
Typical costs for an FHA loan in New Jersey include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual premium of 0.55 percent to 0.85 percent. Closing costs in Sparta generally range from 2 to 5 percent of the purchase price. Lender fees may vary between $500 and $1,500. 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 are the FHA loan limits for Sparta New Jersey in 2025?
For 2025 the FHA loan limit for a single family home in Sussex County is $498,257. This amount applies to most areas in New Jersey and is set by the Federal Housing Administration based on local median home prices.
What credit score is needed 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. Individual lenders in Sparta may set higher requirements.