FHA VS Conventional loan programs in 2025 for Barnegat, Ocean County, New Jersey

In the year 2025, the conventional loan ceiling in Barnegat, located in the county of Ocean, NJ, is established at $1,089,300. At the same time, the FHA limit for a single-family property is set at $1,089,300.

Utilize the Lendersa® Conventional loan calculator to assess today’s optimal rates for Conventional, FHA, and USDA loans. Evaluate income levels, credit requirements, reserves, and necessary documentation for eligibility. Our sophisticated mortgage calculator displays Conforming Conventional loans alongside USDA, FHA, and VA loans, aiding in the selection of the most suitable program in NJ for your financial needs.

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Loan Limits and Down Payment Conditions for 2025 in Barnegat, Ocean, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $776,600 0%
FHA $1,089,300 3.5%

This comparative data is relevant for the zip codes: 8005

Options for Conventional and FHA Loans in Barnegat, NJ

Lendersa® strives to expedite your access to the best available Conventional, USDA, or FHA loan with minimal difficulty. Choose from three beginning options that align you with compatible lenders and programs.

Results for USDA loan request matching by Lendersa


  • Bay Capital Mortgage Corporation
  • 2553 Housley Road, Suite 200, Annapolis, MD, 21401
  • "Since 1994 we have been building a strong reputation as an outstanding mortgage banking firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the Mid Atlantic Region, Georgia and Florida. We’re a full service mortgage banker with an experienced staff offering expertise in every area"
  • Fidelity First Home Mortgage Company
  • 707 Bestgate Rd, Annapolis, MD, 21401
  • Get to know the management team and loan specialists that make our mortgage company in Annapolis, MD, a vital part of the Mid-Atlantic communities we serve. We provide each client with a mortgage marketplace that includes a multitude of options. Tell us more about the financial challenges you face,
  • The Bank of Glen Burnie
  • 106 Padfield Blvd, Glen Burnie, MD, 21061
  • Since opening our doors in 1949, The Bank of Glen Burnie® has been committed to meeting customers’ needs. In fact, it’s at the heart of everything we do! Although the banking industry continues to undergo rapid changes, we believe the best way to meet our commitment is by remaining an independent, community bank.
  • Alternative Capital Funding
  • 1916 South Crain Highway, Glen Burnie, MD, 21061
  • Alternative Capital Funding is a Nationwide Commercial Real Estate Lending Company. We provide Commercial Real Estate financing for Businesses, Investors, Organizations and Individuals. Our Corresponding Lending status allows us to provide Conventional Commercial loans, SBA 7A/504 loans, Low Doc Loans and Bridge Financing nationwide.
  • Service 1st Mortgage, INC
  • 14515 Madison Park Dr, Suite 2, Glen Burnie, MD, 21061
  • Service 1st Mortgage is a mortgage broker located in Glen Burnie, Maryland, 30 minutes north of Washington DC and 20 minutes south of Baltimore. Our company serves the lending needs of prospective home buyers and current homeowners through specialized mortgage products that offer the best rates and lowest costs.
  • Equity One Lending
  • 1829 Reisterstown Road, Suite 350, Pikesville, MD, 21208
  • We know each family wants to hear those words, and the Road To Close can seem unfamiliar and stressful in today’s lending arena. The families we’ve helped have all found their own peace of mind thanks to our World-Class Digital Mortgage Experience. We’ve made it as easy as possible to apply, and even easier to get to the finish line.
  • Ronis Mortgage Network Inc
  • 4510 Coffee Tree Court, Pikesville, MD, 21208
  • Ronis Mortgage Network, Inc. is a full-service mortgage company committed to provide you with personal service. The owner, Bruce Ronis, will review all your options with a no cost in home consultation. We get you the lowest rates possible and provide the attention and service you deserve.
  • First Trust Financial LLC
  • 1700 Reisterstown Road, Suite 122, Pikesville, MD, 21208
  • First Trust Financial, LLC is a boutique mortgage lending firm that helps homebuyers find and secure competitive home loans. We develop customized finance packages tailored to our clients’ needs and take pride in the one-on-one counseling that our team of experts provides along the way.
  • OM Mortgage LLC
  • 1709 Reisterstown Road, Suite 210-211, Pikesville, MD, 21208
  • OM Mortgage is a multi-state residential mortgage brokerage committed to one thing: YOU. We put you and your family above all else to make sure you get a low rate on the best mortgage product, fair fees, an unmatched service and advice. Our team of experts has a combined 100+ years in the mortgage industry.
  • Trius Lending Partners
  • 1104 Kenilworth Dr Suite 501, Towson, MD, 21208
  • Trius Lending Partners is a direct, private money and hard-money lender with headquarters in Maryland and the Mid-Atlantic.We lend on residential investment properties, fix and flip and rehab projects as well as commercial properties throughout the Mid-Atlantic region.We take into account the borrower, property, area and the overall opportunity.
  • The Luzerne Bank
  • 118 Main Street, Luzerne, PA, 18709
  • Penns Woods Bancorp, Inc, is the bank holding company for Jersey Shore State Bank (JSSB) and Luzerne Bank (LUZ). It was incorporated in Pennsylvania on January 7, 1983, with JSSB as a wholly owned subsidiary and later acquired Luzerne Bank on June 1, 2013. In October 2000, JSSB acquired the M Group, Inc. D/B/A The Comprehensive Financial Group.