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Browse fha loan specialists serving Westfield, New Jersey. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Westfield, 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 6 fha loan specialists in Westfield, 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.
Michael Stepek at Guaranteed Rate Affinity (NMLS #28268)
209 Central Ave, Westfield, NJ 07090
9085465641
Lisa Mathews at CrossCountry Mortgage
525 Central Ave # B, Westfield, NJ 07090
9083583359
Millenium Home Mortgage LLC
211 N Ave E, Westfield, NJ 07090
9082333383
RJR Mortgage Co LLC
812 Central Ave #4, Westfield, NJ 07090
9082647058
Chase Home Lending
302 E Broad St, Westfield, NJ 07090
7738073222
Sarah Maloney at Guaranteed Rate Affinity (NMLS #1036901)
209 Central Ave, Westfield, NJ 07090
9737754329
FHA loan specialists in Westfield, New Jersey help home buyers and homeowners secure government-backed mortgages with lower down payments. New Jersey law requires all FHA loan originators to be licensed through the New Jersey Department of Banking and Insurance. Specialists guide clients through the state specific appraisal and property condition rules that apply to FHA loans in Union County.
What Does a FHA Loan Specialist in Westfield Cost?
FHA loan specialist fees in New Jersey usually range from 1,000 to 3,000 dollars for origination and processing. The upfront mortgage insurance premium is 1.75 percent of the loan amount, and annual mortgage insurance premiums range from 0.45 to 1.05 percent depending on loan term and down payment. Closing costs in Westfield typically add 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 credit score do I need for an FHA loan in Westfield New Jersey?
FHA loans generally require a minimum credit score of 580 for a 3.5 percent down payment. Some lenders may accept scores as low as 500 with a 10 percent down payment. Your FHA loan specialist in Westfield can review your specific credit profile.
What are the FHA loan limits for Westfield New Jersey?
For 2025, the FHA loan limit for a single family home in Union County is 1,209,750 dollars. This limit applies to Westfield and adjusts each year based on median home prices. Your specialist can confirm the current limit for your loan size.
How long does an FHA loan take to close in New Jersey?
FHA loans in New Jersey typically close in 30 to 45 days from application. Delays can occur if the property needs repairs required by the FHA appraisal. New Jersey law mandates a three day right of rescission for refinances.
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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.