FHA VS Conventional loan in Montville, Morris County, New Jersey

In 2026, the Conventional loan limit in the city of Montville, located in Morris county of NJ, is $1,089,300. Meanwhile, the FHA limit for a single-family home is $1,089,300.

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Loan calculator comparison

Use Lendersa®'s Conventional loan calculator to compare today’s top rates between Conventional, FHA, and USDA loans. Determine required income, credit score, reserves, and necessary documents for qualification. Our advanced mortgage calculator shows Conforming Conventional, USDA, FHA, and VA loans side by side to aid your decision regarding the best program in NJ for your financial situation.

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2026 Loan Limits & Down Payment Requirements in Montville, Morris, NJ

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

Applicable for zip codes: 07058

Conventional and FHA Loan Options in Montville, NJ

Lendersa® aims to help you secure the best Conventional, USDA, or FHA loan quickly and with ease. Choose one of three pathways to find matching lenders and programs.

  1. Optimize requests for Conventional/USDA/FHA loans
  2. Check rates & terms for Conventional, USDA, and FHA loans first
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USDA loan request matching results on Lendersa



  • Omega Financial Services, Inc.
  • 1185 Morris Avenue, Union, NJ, 07083

  • 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.

  • PLATINUM MORTGAGE, LLC
  • 1915 Morris Avenue, #2, Union, NJ, 7083

  • At Platinum Mortgage LLC, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you

  • CITIZENS MORTGAGE CORPORATION
  • 26-01 Pellack Drive, FAIR LAWN, NJ, 7410

  • 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

  • Ary Ming Asset Funding
  • 24 Commerce St. Suite 606, Newark, NJ, 07102

  • 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.


  • Garden State Mortgage Corp.
  • 160 Pehle Ave, Suite 301, Saddle Brook, NJ, 07663

  • 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.

  • Commercial Mortgage Unlimited LLC
  • 22 Tilghman Dr, Glen Rock, NJ, 07452

  • Commercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type. All property typesCommercial Mortgage Unlimited Offers custom tailored lending programs to fit the needs of each individual borrower and property type.

  • Atlantic Federal Credit Union NJ
  • 37 Market Street, Kenilworth, NJ, 07033

  • Atlantic Federal Credit Union was founded in 1935 by a group of AT&T Western Electric employees in Kearny, New Jersey. They were dedicated to building a not-for-profit financial cooperative to meet their savings and borrowing needs — an especially formidable task in that depression era.

  • AMERIDREAM HOME LOANS, L.L.C.
  • 72 Essex Street, Suite 4, Lodi, NJ, 07644

  • 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.

  • H&E Telephone Federal Credit Union
  • 201 West Passaic Street, Floor 3, Suite 304, Rochelle Park, NJ, 07662

  • 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

  • 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

  • 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

  • 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
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