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Compare fha loan specialists in Summit. Review contact information and insurance categorys before you decide.
2 agents listed
Updated May 2026
Summit, 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 Summit, 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.
Steven Luzzi at CrossCountry Mortgage
7 Union Pl 2nd floor, Summit, NJ 07901
8777731226
Michael Fattore - Chase Home Lending Advisor - NMLS ID 601221
67-69 Summit Ave, Summit, NJ 07901
9082968104
An FHA loan specialist in Summit New Jersey can guide you through the process of obtaining a Federal Housing Administration insured mortgage. These loans are popular for first time homebuyers and those with lower credit scores. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance.
What Does a FHA Loan Specialist in Summit Cost?
Typical costs for an FHA loan specialist in New Jersey include an upfront mortgage insurance premium of 1.75 percent of the loan amount and an annual mortgage insurance premium of 0.55 percent to 0.85 percent. Lender origination fees range from 0.5 percent to 1.0 percent of the loan amount. Appraisal fees are usually 500 to 700 dollars. Costs vary by situation. 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 do in Summit New Jersey?
An FHA loan specialist helps you understand FHA loan requirements, pre qualifies you for a loan, and guides you through the application process. They ensure the property meets FHA minimum property standards and help you gather the necessary documents. They also explain New Jersey specific rules like the state's high cost loan laws.
What are the FHA loan limits for Summit New Jersey in 2025?
For 2025, the FHA loan limit for a single family home in Union County which includes Summit is 1,209,750 dollars for high cost areas. This limit is set by the Federal Housing Administration and can change each year. A specialist can confirm the current limit for your specific situation.
What credit score do I need for an FHA loan in New Jersey?
The minimum credit score for an FHA loan is typically 580 for a 3.5 percent down payment. If your score is between 500 and 579 you may qualify with a 10 percent down payment. New Jersey does not have a state specific credit score requirement beyond the FHA guidelines.
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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.