Explore the differences! FHA VS Conventional loan programs in Montvale, Bergen County, New Jersey

For the year 2025, in the city of Montvale, located in the county of Bergen, NJ, the loan limits for Conventional loans and FHA loans on single-family homes stand at $1,089,300 and $1,089,300, respectively.

Using the Lendersa® Conventional loan calculator, you can assess the top rates currently available for Conventional, FHA, and USDA loans, along with the income, credit, reserves, and documents required to qualify. Our state-of-the-art mortgage calculator allows side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, helping you decide which program in NJ suits your financial needs best.

Explore loan options from 100 lenders

2025 loan limitations and down payment specifications in Montvale, Bergen, NJ

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

This table corresponds to the zip codes: 7645

Options for Conventional and FHA loans in Montvale, NJ

Lendersa® is committed to securing the most favorable Conventional, USDA, or FHA loan swiftly and effortlessly for you. Choose one of the three starting options that lead to tailored lender and loan program matches.

Lendersa’s USDA loan request and matching results


  • Bogota Savings Bank
  • 60 East Main St, Bogota, NJ, 07603
  • Bogota Savings Bank has been a financial cornerstone in the foundation of two New Jersey communities, Bogota and Teaneck for 125 years and now have expanded our footprint into many other New Jersey towns. We are an established community bank offering traditional deposit programs such as savings, checking and certificate of deposits.
  • Dynamic Financial Consultants Inc
  • 502 Hamburg Turnpike, Suite 208, Wayne, NJ, 07470
  • Dynamic Financial Consultants Inc is a leading Mortgage Broker, agency, connecting borrowers to lenders. Our professional mortgage loan officers team takes on all the duties of maintaining your smooth mortgage process, allowing you to enjoy the process without having to deal with any of the hassles.
  • B Naman Consulting Inc
  • 245 Saw Mill River Road, Suite 106B, Hawthorne, NY, 10532
  • Bruce J. Naman Serving the area for over 25 years, I'm committed to helping you find the right mortgage product for your needs. I understand that every borrower is different, and offer a variety of products to meet your individual requirements, with my expertise, I get the hard deals done. I make the process of securing a mortgage simple.
  • Hard Money Bridge Loans for the Caribbean
  • 930 Sylvan Avenue, Englewood Cliffs, NJ, 07632
  • Caribbean Bridge Lender is the fast and reliable direct private lender. If you're in the market for a loan from $3 million to over $50 million (US$), and you've been having a problem finding someone to accommodate your special circumstances, Caribbean Bridge Lender is the solution you've been looking for. Because of our experience, connectio
  • NATIONWIDE MORTGAGE BANKERS, INC.
  • 120 Sylvan Avenue, Suite 101, Englewood Cliffs, NJ, 07632
  • Nationwide Mortgage Bankers Inc. was founded with the belief that achieving the American Dream of homeownership should be a straightforward and stress free process. We strongly believe that the best way to service our clients is not only to educate them on their home financing options but to also provide the best possible service
  • Faze One Funding Limited Liability Company
  • 10 Rutland Road, Scarsdale, NY, 10583
  • Faze One Funding, LLC is a Mortgage Broker offering automated tools, cutting-edge technology, and excellent customer service for originating forward and reverse loans. Faze One offers great rates and superb customer service. Faze One believes that You’re Always #1. We offer borrowers a wide variety of mortgage programs.
  • CITYSCAPE MORTGAGE CORP.
  • 700 WHITE PLAINS ROAD, SUITE 334, Scarsdale, NY, 10583
  • Cityscape Mortgage Corp. we understand that whether you are buying a home, refinancing your current mortgage, or pursuing a reverse mortgage you are entrusting us with your most significant financial decisions. Our mission is to make this process as effortless as possible for our clients, by providing the expert guidance they need.
  • HOM Commercial
  • 133 Parkway Rd, Bronxville, NY, 10708
  • Welcome to Houlihan & O’Malley Commercial Real Estate Services. Backed by the experience of a family that’s been in the real estate business since 1891, the commercial services division of Houlihan & O’Malley specializes in commercial brokerage, private mortgages, commercial appraisals and advisory services.
  • Houlihan & O'Malley
  • 133 Parkway Road, Bronxville, NY, 10708
  • Joe Houlihan started his Real Estate career in 1984 as an appraiser, running Houlihan & O’Malley’s ‘Residential’ appraisal division. He interacted with Realtors on a regular basis and felt a natural attraction to real estate sales. In 1998, Joe founded the Residential Sales Group at Houlihan & O’Malley with the dream of creating a boutique real est
  • North Jersey Federal Credit Union
  • 711 Union Blvd, Totowa, NJ, 07512
  • In 1936, North Jersey Federal Credit Union was founded. Our vision is to provide service to all members beyond their expectations to create a “Wow Experience” for each of them. We will be convenient, efficient and effective in serving our members throughout the community. Our goal is to enable our members to have financial freedom.
  • North Capital Funding Corporation
  • 535 Union Boulevard, Totowa, NJ, 07512
  • 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.
  • Quintessential Mortgage Group
  • 399 Knollwood Road, Suite 320, White Plains, NY, 10603
  • Quintessential Mortgage Group,we believe in treating customers the way we would like to be treated. We educate, advise, & empower you with mortgage planning tools to help you make informed decisions.We know you need a lot of information before you decide which mortgage broker is right for you, & we’re prepared to give you the information you need.