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Browse fha loan specialists serving Toms River, New Jersey. Contact information and addresses listed below.
20 agents listed
Updated May 2026
Toms River, 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 20 fha loan specialists in Toms River, 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.
Oceanside Mortgage Company
55 Main St, Toms River, NJ 08753
8009558965
Josh Blair-Top Mortgage Broker NMLS #241845
1310 Hooper Ave Third Floor, Toms River, NJ 08753
7329047856
Kathleen Halbing | Kathleen The Mortgage Lady | PRMG
C, 680 Hooper Ave, Toms River, NJ 08753
7324969992
Advisors Mortgage Group - Nick Esposito & Matthew Patterson
1416 Hooper Ave, Toms River, NJ 08753
7327514482
Advisors Mortgage Group - Toms River, NJ
1416 Hooper Ave, Toms River, NJ 08753
8007789044
Nations Lending - John Zura
325 W Water St Ste 2W, Toms River, NJ 08753
6095480469
Luminate Bank - Toms River Branch
1848 Hooper Ave Suite 5, Toms River, NJ 08753
8482266166
New Jersey Mortgage Services
30 N Main St, Toms River, NJ 08753
8007899293
Mark Ramos at CrossCountry Mortgage
1182 Fischer Blvd Ste 1, Toms River, NJ 08753
7327132887
Joseph Rowen The Mortgage Guy
1416 Hooper Ave, Toms River, NJ 08753
2675929286
Glendenning Mortgage Corporation
81 E Water St Suite 3A and 3C, Toms River, NJ 08753
7322407227
New American Funding - Toms River, NJ
1415 Hooper Ave Suite 202, Toms River, NJ 08753
7329302355
New American Funding - Joseph Miller
1415 Hooper Ave # 202, Toms River, NJ 08753
6315294356
Nations Lending - Toms River Branch
325 W Water St Ste 2W, Toms River, NJ 08753
6095480469
Steve Vetter Annie Mac
1898 Hinds Rd, Toms River, NJ 08753
7326744783
Greg Morga - AnnieMac Home Mortgage - The A Team
1898 Hinds Rd, Toms River, NJ 08753
9176138597
Easy Mortgage Solutions
2214 NJ-37 E, Toms River, NJ 08753
8007507996
Anthony Bueti at AnnieMac Home Mortgage
1898 Hinds Rd, Toms River, NJ 08753
7323786165
United Mortgage Corporation
680 Hooper Ave Building A, Suite 103, Toms River, NJ 08753
9086253004
Ryan Tutzauer - Mortgage Loan Officer
1104 Hooper Ave, Toms River, NJ 08753
7325750290
FHA loan specialists in Toms River, New Jersey help homebuyers navigate Federal Housing Administration loans, which offer lower down payments and flexible credit requirements. New Jersey law requires all mortgage loan originators to be licensed through the New Jersey Department of Banking and Insurance. Local specialists understand Ocean County housing market conditions and can guide borrowers through FHA appraisal and underwriting processes specific to the area.
What Does a FHA Loan Specialist in Toms River Cost?
Typical costs for FHA loan services in New Jersey include an upfront mortgage insurance premium of 1.75 percent of the loan amount, plus annual mortgage insurance premiums of 0.55 to 0.85 percent. Lender origination fees range from 0.5 to 1.5 percent of the loan amount, and appraisal fees in Toms River average $500 to $700. Closing costs generally total 3 to 5 percent of the purchase price. 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 are the FHA loan limits for Toms River in 2025?
For 2025, the FHA loan limit for a single-family home in Ocean County, New Jersey is $498,257. This limit applies to Toms River and adjusts annually based on median home prices. Higher limits may apply for multi-unit properties.
What credit score do I need for an FHA loan in New Jersey?
FHA loans in New Jersey require a minimum credit score of 580 for a 3.5 percent down payment. Borrowers with scores between 500 and 579 may qualify with a 10 percent down payment. Each lender may set higher minimums.
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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.