FHA VS Conventional loan programs in East-Orange, Essex County, New Jersey

In 2026, the limit for Conventional loans in East-Orange, located in Essex county, NJ, is $970,800. The FHA limit for a single-family home is $970,800.

Use the Lendersa® Conventional loan calculator to find and compare today's top rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage tool places Conforming Conventional loans side by side with USDA, FHA, and VA options, assisting in selecting the program in NJ that best meets your financial requirements.

Compare offers from 100 different lenders

2026 Loan Limits and Down Payment Specifications in East-Orange, Essex, NJ

Loan Type Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $0 0%
FHA $970,800 3.5%

This table applies to zip codes: 07018

Options for Conventional and FHA Loans in East-Orange, NJ

The goal of Lendersa® is to connect you quickly with the best available Conventional, USDA, or FHA loan effortlessly. Choose from one of three methods to find matched lenders and loan programs.

Results from Lendersa USDA loan request


East-Orange Lenders

  • American Capital Mortgage Inc
  • 439 Main Street, Suite 102, Orange, NJ, 07050
  • Lends in New Jersey
  • American Capital Mortgage Inc. is a Mortgage Broker company for all your Home Mortgage. We achieve excellence and consistently exceed our clients expectations. we can ensure you get the best loan to fit your goals and finances. American Capital Mortgage know the market. We know the process.

  • Ary Ming Asset Funding
  • 24 Commerce St. Suite 606, Newark, NJ, 07102
  • Lends in New Jersey
  • AryMing Asset Funding, LLC (AAH) is a boutique, private real estate lending sponsorship firm founded in 2010. We purchase, finance, sell, and assign mortgages & notes. We cater to accredited, high net worth individuals who appreciate transparency and personalized service in the distress asset sector of real estate.

  • Mortgage First Direct Inc
  • 1923 Springfield Avenue, Maplewood, NJ, 07040
  • Lends in New Jersey
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide real estate financing 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.

  • New Jersey Mortgage Broker
  • 165 Belmont Ave, Belleville, NJ, 07109
  • Lends in New Jersey
  • Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations

  • First Prestige Mortgage Services, Inc.
  • 110 Valley Road, Montclair, NJ, 07042
  • Lends in New Jersey
  • We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state. We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance

  • XCEL Federal Credit Union
  • 1460 Broad Street, Bloomfield, NJ, 07003
  • Lends in New Jersey
  • XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.

  • Reverse Mortgage Funding LLC
  • 1455 Broad St. 2nd Floor, Bloomfield, NJ, 7003
  • Lends in New Jersey
  • At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.

  • American Fidelity Mortgage, LLC
  • 146 Delancy st, Newark, NJ, 07105
  • Lends in New Jersey
  • At American Fidelity Mortgage, we provide lending services and approve our clients into their next home. - Family owned and operated - Direct FHA Lender - Products available include but are not limited to - FHA, Conventional, 203k, Reverse Mortgages, Jumbo’s, USDA, Streamline Refi’s, Full Harp -program.

  • Omega Financial Services, Inc.
  • 1185 Morris Avenue, Union, NJ, 07083
  • Lends in New Jersey
  • Omega Financial Services, Inc. is a full service, Non-Supervised, Multi-State Direct Residential and Commercial Lender and Wholesaler. With over 25 years of experience, Omega’s goal has been to assist clients in owning a home, acquiring a business, or an investment property by offering a wide array of loan programs and giving attention to detail.