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Looking for a fha loan specialist in Spring Lake? Review the directory below to compare your options.
2 agents listed
Updated May 2026
Spring Lake, 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 Spring Lake, 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.
Keypoint Mortgage
2025 NJ-71, Spring Lake, NJ 07762
7324493316
Nick Jacoski
1001 NJ-71 Fl 1 & 2, Spring Lake, NJ 07762
9082356303
An FHA loan specialist in Spring Lake New Jersey helps home buyers and homeowners secure mortgages insured by the Federal Housing Administration. These loans are popular for first time buyers and those with lower credit scores. New Jersey law requires all loan originators to be licensed through the New Jersey Department of Banking and Insurance.
What Does a FHA Loan Specialist in Spring Lake Cost?
Typical costs for an FHA loan specialist in New Jersey include an origination fee of 1 to 1.5 percent of the loan amount and an upfront mortgage insurance premium of 1.75 percent. Annual mortgage insurance premiums range from 0.55 to 0.85 percent of the loan balance. Closing costs in Spring Lake usually total 3 to 5 percent of the purchase price. 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 Spring Lake New Jersey?
For 2025 the FHA loan limit for a single family home in Monmouth County including Spring Lake is $1,209,750. This high limit reflects the area as a high cost region. Limits are updated annually by HUD.
How long does an FHA loan approval take in New Jersey?
A typical FHA loan approval in New Jersey takes 30 to 45 days from application to closing. The process includes an appraisal by a HUD approved appraiser and a review of your credit and income. Delays can occur if additional documentation is needed.
What credit score is needed for an FHA loan in New Jersey?
The minimum credit score for an FHA loan in New Jersey is 580 with a 3.5 percent down payment. Borrowers with a score between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher requirements.
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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.