FHA VS Conventional loan in Mystic-Island, Ocean County, New Jersey

In the year 2025, the Conventional loan limit in Mystic-Island, county of Ocean, NJ, stands at $970,800, while the FHA cap for a single-family home is $970,800.

Benefit from the Lendersa® Conventional loan calculator by comparing today's best rates among Conventional, FHA, and USDA loans. Determine the required income, creditworthiness, reserves, and needed documentation for a successful application. Our sophisticated mortgage calculator presents Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the best plan in NJ according to your financial needs.

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2025 Loan Limits and Downpayment Requirements in Mystic-Island, Ocean, NJ

Type of Loan Loan Limit Down Payment
Conventional Conforming $970,800 3%
USDA $657,900 0%
FHA $970,800 3.5%

This comparison table applies to the zip codes: 8087

Conventional and FHA Loan Options in Mystic-Island, NJ

At Lendersa®, our mission is to help you acquire the best possible Conventional, USDA, or FHA loan quickly and effortlessly. Pick one of the three starting points below to match with the right lenders and loan programs designed for you.

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  • Feliciana Federal Credit Union
  • 20303 Old Scenic Highway, Zachary, LA, 70791
  • Our credit union was originally chartered as Cee Zee Employees Federal Credit Union in 1960, serving the employees of the paper mill in West Feliciana Parish and their families. The paper mill has had five different name changes. The names of the paper mill have been Crown Zellerbach, James River, Crown Vantage, TEMBEC and currently KPAQ.
  • Allied Plastics Federal Credit Union
  • 1700 E Mount Pleasant Road, Zachary, LA, 70791
  • Since its inception in 1957 the Allied Plastics Federal Credit Union has been serving its members in the Baton Rouge, Louisiana area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages.
  • Mainstreet Mortgage LLC
  • 8586 Pin Oak Dr, Zachary, LA, 70791
  • We know that each customer has specific needs, so we strive to meet those specific needs with a wide array of products, investment tools, mortgages and best of all quality service and individual attention. We offer 100% USDA Rural Development, 100% VA to qualified veterans, FHA with 3.5% down, up to 97% Conventional and Jumbo options.
  • FIRST NATIONAL BANK NORTH
  • 600 Minnesota Avenue, Walker, MN, 56484
  • The First National Bank North has served local communities since 1902 and now serves several Minnesota Communities. At First National Bank North, we are invested in the growth and success of the Minnesota Communities we serve. As we continue to grow and provide the newest features to our customers, whether that be e-statements, mobile banking.
  • CNext Bank
  • 505 North Vienna Street, Ruston, LA, 71270
  • Century Next Bank, is a federally chartered stock savings Bank headquartered in Ruston, Louisiana, that has proudly served our surrounding communities since 1905. Since our founding, we have expanded our community footprint from Lincoln Parish into Ouachita Parish, Louisiana, and further into Ashley County, Arkansas.
  • Financial Security Bank
  • 1011 Atlantic Ave, Kerkhoven, MN, 56252
  • When the bank opened in 1884, the founders had a clear vision: safeguarding people’s money so they could realize their dreams, & contributing to the community, making it a great place to live and work. In 1951, Russell Bauman joined the State Bank of Kerkhoven. He purchased the bank in 1976 & carried the vision forward with unwavering dedication.
  • Farmers Bank & Trust
  • 1129 E Main St, Magnolia, AR, 71753
  • Farmers Bank & Trust was chartered on September 26, 1906, and has been in operation since its inception. Farmers Bank is an independent community Bank and operates out of a one-Bank holding company, Magnolia Banking Corporation. The Bank operates a subsidiary called Magnolia Properties, Inc
  • Capital Access Mortgage LLC
  • 4686 Groom Road, Suite B, Baker, LA, 70714
  • We treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
  • Campus Federal Credit Union
  • 9555 Antioch Road, Suite A, Baton Rouge, LA, 70817
  • Formed in 1934 by seven employees of Louisiana State University, Campus Federal now serves over 59, 000 individuals and business members. The common bond between Campus Federal and LSU remains strong, along with the strong relationships we've developed with our additional select employee groups and business members.
  • BR Fire Department Federal Credit Union
  • 11123 Boardwalk Drive, Baton Rouge, LA, 70816
  • The Baton Rouge Fire Department Federal Credit Union has been serving our local area since 1936. We are a non-profit financial institution, which is owned and operated by its members. We provide our members low-interest loans and convenient savings plans. Our Vision is to become the preferred financial institution for all fire department employees.
  • BRECO Federal Credit Union.
  • 1850 South Sherwood Forest Boulevard, Baton Rouge, LA, 70816
  • At BRECO, we take our mission seriously to assist our member-owners build and secure their financial success. Being a not-for-profit, we return earnings back to members in the form of better interest rates, reduced or no fees and quality personal service; all because our focus is on serving our members and not on making profits.
  • Louisiana USA Federal Credit Union
  • 10289 Airline Highway, Baton Rouge, LA, 70816
  • With 75 years of service, we are truly committed to providing quality financial products & services. Our professional staff with decades of combined experience aims to make the banking process as enjoyable as possible. LAUSA members have access to a full range of valuable benefits & services designed to make the banking experience.