FHA VS Conventional loan programs in Lakewood, Ocean County, New Jersey

During 2026, the set limit for a Conventional loan in Lakewood, located in the county of Ocean, NJ, has been established at $1,089,300. In contrast, the FHA loan limit for a single-family residence is defined as $1,089,300.

The Lendersa® Conventional loan calculator allows you to compare the current best rates between Conventional, FHA, and USDA loans. You can also determine the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator places Conforming Conventional loans next to USDA, FHA, and VA options, assisting you in identifying which program suits your financial needs in NJ.

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Loan limits and down payment details for 2026 in Lakewood, Ocean, NJ

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

The information in this table is relevant for these zip codes: 8701

Explore Conventional and FHA loan options in Lakewood, NJ

The primary aim of Lendersa® is to help you secure the best possible Conventional, USDA, or FHA loan swiftly and with ease. Start with one of three possibilities, each designed to connect you with matching lenders and loan programs.

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  • HISE Financial Corporation
  • 5762 Bolsa Avenue, Suite A101, Huntington Beach, CA, 92649
  • With a blend of real world credentials, our teams listen to your needs and goals to deliver exceptional mortgage and real estate services. We provide you with the resources & options so that you can make an informed decision. Our goal is to build trust and simplify the process in order to save you money when buying, selling, or financing your home.

  • Epic Development & Capital Corporation
  • 15272 Bolsa Chica St, Huntington Beach, CA, 92649
  • 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.

  • PostCity Financial Credit Union
  • 3738 Bayer Ave, Suite 102, Long Beach, CA, 90808
  • PostCity Financial Credit Union is the full-service Credit Union for U.S. Postal workers - current and retired - and their families, in Southern California and in select Northern California counties near the Sacramento area. PostCity Financial has been providing high-quality, competitively priced loans, free checking accounts and all the convenient

  • CalCom Federal Credit Union
  • 3748 Bayer Avenue, Unit 104, Long Beach, CA, 90808
  • CalCom Federal Credit Union was founded as Licomto Federal Credit Union on February 28, 1968 serving the employees and family members of Little Company of Mary Hospital in Torrance, CA. As with most Credit Unions, a dedicated employee, Ms. Doris Anthony, conducted the entire Credit Union operation

  • MJG Capital
  • 5426 E. Walkerton Street, Long Beach, CA, 90808
  • MJG Capital, our goal is simple Provide our clients with best-in-class mortgage programs and top-notch customer service.and also MJG Capital is able to provide a wide-variety of loan programs paired with unparalleled customer service to many Americans, purchasing a home is the keystone to financial security. Many people decide to buy a home,

  • GROW Mortgages
  • 4501 E. Carson St. #203, Long Beach, CA, 90808
  • GROW Mortgages is a welcoming lending firm based out of Long Beach, CA. We are passionate in advancing the well-being of our local community by empowering financial development through local homeownership, which promotes economic growth. Whether you are a first time home buyer, a real estate investor

  • Prime 1 Estates, Inc.
  • 304 Myrtle St, Suite 423, Burbank, CA, 91501
  • Prime 1 Estates is a Multiple Listing Services member, which means we have direct access to market statistics & trends. We are able to provide you with local real estate market trends to you for better decision making & insight to your local market.By using the below tool, you can visualize the housing market data for cities in San Fernando Valley.

  • Sea Air Federal Credit Union
  • 800 Seal Beach Blvd, Building 12, Seal Beach, CA, 90740
  • Sea Air Federal Credit Union was founded in 1952 to provide affordable financial services. Today we serve more than 7,800 members including: active military, retired military, reserves and civilians working or living on the base (in Seal Beach Weapons Station, Los Alamitos Joint Training Base, and Corona Naval Facility), residents of Sunset Beach.

  • Progressive Loan Funding
  • 3010 Old Ranch Pkwy, Suite 440, Seal Beach, CA, 90740
  • Operating predominantly in Los Angeles and Orange Counties since 1988, Progressive Loan Funding helps find the home financing that’s right for you. Progressive Loan Funding offers FHA, VA, Conventional and Jumbo loan programs with a full range of fixed and adjustable loan options. We service all home lending products, but specialize in FHA loans.

  • Midcity Mortgage
  • 3020 Old Ranch Parkway, Suite 300, Seal Beach, CA, 90740
  • The company goal is to provide real estate 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. We've been in business long enough to understand your problems