Explore the differences! FHA VS Conventional loan programs in Jefferson, Morris County, New Jersey

For the year 2025, the maximum loan limit for a Conventional mortgage in Jefferson, Morris county, NJ, is $1,089,300; whereas, for a single-family home, the FHA limit is $1,089,300.

Use Lendersa®'s Conventional loan calculator to assess today's leading rates between Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and necessary documents needed for qualification. This high-tech mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the ideal program in NJ for your financial situation.

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2025 Loan Limits & Down Payment Requirements in Jefferson, Morris, NJ

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

This comparison data pertains to the following zip codes: 07849, 07438, 07885

Explore Conventional and FHA Loan Options in Jefferson, NJ

The mission of Lendersa® is to find you the optimal Conventional, USDA, or FHA loan quickly and without hassle. Begin with one of three pathways, each designed to match lenders and loan programs to your needs.

Discover matching results for USDA loan requests with Lendersa


  • Eastern Colorado Bank
  • 10 South First Street, Cheyenne Wells, CO, 80810
  • The Eastern Colorado Bank strives to be the leader among financial institutions in terms of quality service, sustainable growth, profitability, and the credibility and trust of our clients, regulators and employees. Since our start in 1944, our dedicated staff has focused on business professionals, small businesses
  • First Bank and Trust of Memphis
  • 501 Main Street, Memphis, TX, 79245
  • First Bank & Trust of Memphis of Memphis, TX provides banking services. The Bank offers checking accounts, credit & debit cards, loans, insurance, payment protection, phone banking, bill pay, and merchant services. We started as a community bank, and even though we’ve grown, we haven’t really changed.
  • Dakota West Credit Union
  • 340 Main St, Watford City, ND, 58854
  • Dakota West Credit Union is dedicated to helping our members grow with comprehensive, competitive financial products partnered with personal, professional service. It is our vision to deliver consistently the essential financial services in the communities we serve that promote agriculture and commerce while improving the quality of our members.
  • Curran Mortgage Inc.
  • 1303 West Industrial Boulevard, Round Rock, TX, 78681
  • As an experienced and skilled mortgage lending team, Curran Mortgage understands each transaction is different, as is every client’s home and individual needs. To offer the highest level of service from our clients' perspective — we seek to understand their immediate and long term financial goals.
  • Celink
  • 101 W Louis Henna Blvd, Suite 310, Austin, TX, 78728
  • Celink is the nation’s largest independent subservicer of reverse mortgages, licensed to service reverse mortgages in all 50 states, plus the District of Columbia, Puerto Rico and the U.S. Virgin Islands. We are well-positioned, both financially and strategically, to support client growth strategies for decades to come.
  • American Bank of Commerce Wolfforth
  • 10920 Lakeline Mall Drive, Suite 200, Austin, TX, 78717
  • The American Bank of Commerce first opened for business as Wolfforth State Bank on September 11, 1962 with James S. Moore as chairman of the board. In January 1963, Wolfforth State Bank moved from temporary facilities to its first home in downtown Wolfforth, Texas. Wolfforth State Bank changed its name to American Bank of Commerce
  • Tiffany's Hard Money Real Estate Loans LLC
  • 9900 Spectrum Dr, Austin, TX, 78717
  • Tiffany is an experienced lending executive officer with a demonstrated history of working in the financial services industry since 1993. Skilled in Public Speaking, Hard Money Lending, Conventional, FHA, & VA Lending, Nonprofit Organizations, Marketing Management, Negotiation, Business Planning, Networking, and Coaching.
  • Infinity Mortgage Holdings, LLC
  • 10920 Lakeline Mall Drive, Suite 200, Austin, TX, 78717
  • Infinity Mortgage Holding LLC is Founded in Austin Texas in 2016, Infinity Mortgage is built on a platform of service: to our clients, and to our team. Our strength lies in our communication, our relationships, and our execution and also Infinity Mortgage Holdings, LLC is committed to providing clients with the highest quality home loans.
  • HOMEWISE FINANCIAL CORP
  • PO Box 1774, Leander, TX, 78646
  • Homewise Financial we take the guesswork out of home loans, making the entire process seamless and carefree. Buying a home is typically the largest investment that you will ever make. The process is filled with emotion, whether you are a first-time or a seasoned home buyer, you are ready to get to the closing table memories in your new house.
  • Mark Monreal & Associates
  • 13001 Debarr Drive, Austin, TX, 78729
  • Mark Monreal & Associates we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
  • Larry The Lender
  • 13420 Lyndhurst St, Apt 301, Austin, TX, 78729
  • Larry Feingersh is a native Houstonian. One of Larry’s first jobs in the 70’s was working for the City of Bellaire picking up garbage. Larry has bought, sold, and managed residential real-estate properties since 1985. In 1995-96 Larry bought and flipped over 30 houses. Besides having built and managed his own commercial buildings since 1992.