FHA VS Conventional loan in Elmwood-Park, Bergen County, New Jersey

In 2026, the Conventional loan limit for Elmwood-Park in Bergen, NJ is $970,800. Meanwhile, the FHA loan limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator to compare top current rates for Conventional, FHA, and USDA loans. Evaluate income, credit, reserves, and required documents necessary for qualification. This advanced mortgage calculator displays Conforming Conventional, USDA, FHA, and VA loans side by side, assisting you in selecting the best program in NJ that meets your financial needs.

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Loan Limits & Down Payment Requirements for 2026 in Elmwood-Park, Bergen, 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: 7407

Conventional and FHA Loan Options in Elmwood-Park, NJ

The aim of Lendersa® is to quickly secure you the ideal Conventional, USDA, or FHA loan without hassle. Choose one of three routes to find matching lenders and programs that suit your needs.

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Elmwood-Park Lenders

  • Spencer Savings Bank
  • 611 River Drive, Elmwood Park, NJ, 07407
  • Lends in New Jersey
  • Spencer Savings Bank is a leading New Jersey-based community bank headquartered in Elmwood Park, N.J. For over 100 years, we have been serving our local communities with integrity and pride. Roots matter, because they mean experience. They mean real insight into what makes our communities strong.

  • Garden State Mortgage Corp.
  • 160 Pehle Ave, Suite 301, Saddle Brook, NJ, 07663
  • Lends in New Jersey
  • Garden State Mortgage Corporation’s main focus is originating loans solely in NJ. Our goal is to offer competitive mortgage rates and fees while providing a level of service that exceeds our client’s expectations. This is why 65% of our mortgage loans are derived from previous customer referrals.

  • H&E Telephone Federal Credit Union
  • 201 West Passaic Street, Floor 3, Suite 304, Rochelle Park, NJ, 07662
  • Lends in New Jersey
  • H&E Telephone Federal Credit Union is a federally insured financial cooperative serving employee groups since 1967. It was originally formed for employees and family members of New Jersey Bell and AT&T. Now, H&E also serves HPAE at Englewood Hospital and several other member groups.

  • Affinity Realty Capital
  • 151 West Passaic Street, 2nd Floor, Rochelle Park, NJ, 07662
  • Lends in New Jersey
  • The Affinity Realty Capital, LLC team is committed to providing all clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing

  • Centra Capital Investments
  • 336 W Passaic St, Suite 310, Rochelle Park, NJ, 07662
  • Lends in New Jersey
  • Centra Capital Investments is a commercial real estate investment company offering hard money when traditional banks do not. We provide construction loans for both ground up new construction and renovation projects. Will consider both residential and commercial properties with a loan up to 100%

  • Alpine Mortgage Services
  • 201 W Passaic Street, Rochelle Park, NJ, 07662
  • Lends in New Jersey
  • At Alpine Mortgage, we specialize in providing the most competitive rates and closing costs on a Connecticut, Florida, New York, New Jersey and Pennsylvania mortgage. Our goal is to make your home loan process as simple and worry-free as possible. We pride ourselves in offering the highest level of customer service and appreciate the opportunity to

  • Gold Ring Investments Inc
  • 0-40 Fair Lawn Parkway, Fair Lawn, NJ, 07410
  • Lends in New Jersey
  • Gold Ring Investments Inc, is a partner to Santomenno and company in New Jersey. A small Independent Investment Management group whose primary executive sits in the lead capacity of Registered Investment Advisor, (RIA) Founded in 1975 by Rocco R. Santomenno, the company has built a strong

  • CITIZENS MORTGAGE CORPORATION
  • 26-01 Pellack Drive, FAIR LAWN, NJ, 7410
  • Lends in New Jersey
  • Founded in May 1987, Citizens Mortgage Corp is a family-owned and operated mortgage company that caters to first time home buyers and has been dedicated to serving the underserved communities. Our mission is to be the most efficient mortgage provider in the State of New Jersey, New York and Hawaii. We have been committed

  • AMERIDREAM HOME LOANS, L.L.C.
  • 72 Essex Street, Suite 4, Lodi, NJ, 07644
  • Lends in New Jersey
  • Ameridream Home Loans in 2016 with one single intention, to help as many people as possible accomplish their goals and reach the American dream of homeownership. We believe that our extensive knowledge of the industry and our transparent & streamline process is the key to our success.