FHA VS Conventional loan programs in 2026 for Bergenfield, Bergen County, New Jersey

In 2026, the conventional loan limit in Bergenfield, county of Bergen, NJ, is set at $1,089,300. Meanwhile, for a single-family residence, the FHA limit is $1,089,300.

Explore the Lendersa® Conventional loan calculator to evaluate the best rates today between Conventional, FHA, and USDA loans. Determine the necessary income, credit reserves, and documents for qualification. With our advanced mortgage calculator, review Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in choosing the most suitable program in NJ for your financial circumstances.

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Comprehensive 2026 Loan Limits and Downpayment Requirements in Bergenfield, County of Bergen, NJ

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

This table applies to these zip codes: 7621

Explore Conventional and FHA Loan Options in Bergenfield, NJ

At Lendersa®, the primary objective is to quickly connect you with the best possible Conventional, USDA, or FHA loan, with minimal hassle. Choose from one of three starting points to identify matching lenders and optimal loan programs tailored to your needs. This efficient approach ensures you are well-positioned to navigate the complexities of the loan application process with ease.

Lendersa USDA loan request and matching results


  • Waring Investments
  • 125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
  • Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.

  • Apple Home Mortgage
  • 1819 Williamsbridge Road, Suite LB, Bronx, NY, 10461
  • Our mortgage professionals give you the personal attention you deserve and treat you with the respect due a valued customer. We understand you're making a commitment in buying a new home, refinancing a mortgage or cashing out your home equity. We will help you qualify, apply and be approved for the right mortgage loan for you.

  • BARNSTABLE MORTGAGE GROUP, LLC
  • 70 East Allendale Road, Saddle River, NJ, 7458
  • At Barnstable Mortgage Group, where we specialize in residential mortgages. At Barnstable Mortgage Group, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.

  • FUNDING RESOURCES MORTGAGE CORPORATION
  • 777 Passaic Ave; Suite 220, Clifton, NJ, 07012
  • Funding Resources Mortgage Corporation on a platform of superior quality lending practices, uncompromising integrity and unprecedented client service. FRMC is a client-focused mortgage-banking firm designed to make every clients’ mortgage experience pleasant and successful. FRMC accomplishes this goal

  • West Forest Capital
  • 237 East 79th Street, New York, NY, 10075
  • West Forest Capital provides funds to real estate investors and others looking to finance non-owner occupied real estate. We lend on apartments, single family, multi-family, commercial, industrial, land, and other properties. We provide rehab funds, or full construction costs, as needed. FAST CLOSINGS, almost always less than 10 days.

  • Empire State Mortgage
  • 3504 Park Avenue, Weehawken, NJ, 07086
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Saxon Spencer Capital
  • 57 W. 57th Street, Suite 300, New York, NY, 10019
  • Saxon Spencer Capital, founded in New York in 2016, is a nationwide private lending platform, affording unique insight to the investment community; combining old-fashioned values with a sophisticated modern approach in solving the multiple labyrinths of the financial markets today. Saxon Spencer Capital creates customized financial solutions.

  • Tower Fund Capital
  • 1325 6th Ave, New York, NY, 10019
  • Tower Fund Capital owns and operates private equity funds engaged in business of providing asset-based debt solutions for real estate industry.
    With 35 years of experience in real estate, banking, investments, acquisitions, financing, debt restructuring and workouts. We pride ourselves in finding a solution to any situation.

  • AMERIMUTUAL MORTGAGE
  • 18-33 41st Street, 2nd Floor, Astoria, NY, 11105
  • AMERIMUTUAL has been successful in revolutionizing the industry one mortgage at a time. Our company values are grounded in the principles of honesty and fair dealing. For you, this means responsible lending with reasonable fees and you can enjoy a worry-free lending experience from a local Astoria, NY business you can trust.

  • Certus
  • 81 Centre Avenue, Suite 214, New Rochelle, NY, 10801
  • Certus Capital is a real estate finance company based out of New Rochelle NY 10801. Our mission is to provide perfect service, lower rates and faster closings to our real estate customers and business owners. Services, NJ Department of Banking & Insurance, CT Department of Banking, FL Office of Financial Regulation.

  • Venture Estate Group
  • 401 West 48th Suite 2W, New York, NY, 10036
  • Where traditional lenders decline, we provide solutions.

    We offer specialized programs for real estate investors, including:
    No minimum FICO requirements
    Ground-up construction financing with no prior experience needed
    No-ratio loans (no income or DSCR)
    Financing for rural and non-conventional properties
    Up to 95% purchase and 100% rehab fu

  • Amerimax Capital LLC
  • 1177 Avenue Of The Americas, 5th Floor, New York, NY, 10036
  • Amerimax Capital is a commercial real estate financing firm with history on the market for more than 20 years. Our knowledge, connections with lenders and established financing platform enables us to arrange the most favorable financing/equity placement for your commercial property.