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Directory of fha loan specialists in Union City, New Jersey. Verify credentials with the state mortgage licensing authority before hiring.
4 agents listed
Updated May 2026
Union City, 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 4 fha loan specialists in Union City, 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.
The Mortgage Zone
407 39th St Suite 302, Union City, NJ 07087
8662140025
Chase Home Lending
3196 John F. Kennedy Blvd, Union City, NJ 07087
9172150597
Dawilsa Urena - Chase Home Lending Advisor - NMLS ID 2163834
3196 John F. Kennedy Blvd, Union City, NJ 07087
9172150597
Jim Kelly - 293680 - Wells Fargo Home Mortgage
614 Summit Ave, Union City, NJ 07087
6097505408
FHA loan specialists in Union City New Jersey help homebuyers secure government-backed mortgages with lower down payments. These loans are popular in Hudson County due to New Jerseys high property values. Specialists guide borrowers through FHA guidelines and New Jersey specific requirements like the states foreclosure mediation program.
What Does a FHA Loan Specialist in Union City Cost?
Typical costs for an FHA loan specialist in New Jersey range from 0.5 to 1.5 percent of the loan amount as a broker fee. Closing costs in Union City average 3 to 5 percent of the purchase price including appraisal and title fees. The upfront MIP of 1.75 percent is added to the loan balance. These costs vary by lender and property. 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 Union City New Jersey in 2025?
For 2025 the FHA loan limit for a single family home in Hudson County is $1,209,750. This higher limit reflects the areas high cost housing market. Borrowers should confirm current limits with their specialist as they can change annually.
Do FHA loans in New Jersey require mortgage insurance?
Yes all FHA loans require an upfront mortgage insurance premium of 1.75 percent of the loan amount. Borrowers also pay an annual MIP which varies by loan term and down payment. This insurance protects the lender if the borrower defaults.
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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.