FHA VS Conventional loan programs in Ramsey, Bergen County, New Jersey

In 2025, Convetional loan limit in Ramsey, county of Bergen, NJ is $1,089,300 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® Conventional loan calculator to compare today's Conventional Vs. FHA Vs. USDA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the Conforming Conventional loans, USDA, FHA, VA side by side to help you decide which program in NJ is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Ramsey, county of Bergen, NJ

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

The comparison table applies to zip codes: 7446

Conventional and FHA loan options in Ramsey, NJ

Lendersa® goal is to get you the best possible Conventional, USDA or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and loan programs.

Lendersa USDA loan request and matching results


  • Lending Capital Mortgage LLC
  • 12 Penns Trail, Newtown, PA, 18940
  • Lending Capital Mortgage pioneered the idea of one-stop shopping for homebuyers. Today, the LCM family offers you easy access not only to mortgage financing, but also to settlement services, and homeowners and title insurance all under one roof: ours We have over 45 years of collective experience
  • Security Mortgage Financial Services Inc
  • 1988 Amber Drive, Newtown, PA, 18940
  • I'm Steve Rosen, and I'm the founder of Security Mortgage Financial Services, which has been helping Pennsylvanians buy new houses and refinance their existing homes since 2001. In an increasingly impersonal, automated world, we believe in offering our clients a personal touch which is why so many of our clients turn into friends.
  • Longstreet Financial Inc
  • 4 Bennington Place, Newtown, PA, 18940
  • Longstreet Financial is a full service mortgage broker offering expertise in every area of mortgage lending...from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
  • Abacus Mortgage
  • 7291 Airport Road, Bath, PA, 18014
  • We began in 1993 at our current location. Over the years we’ve grown and expanded our products and number of lenders. Our passion is “helping people realize their dream of homeownership, one family at a time”. This commitment to our customer has helped us place over 7500 families in their new homes.
  • Provident Bank
  • 105 Chambers Bridge Rd, Brick, NJ, 08723
  • Provident Bank has served individuals, families, and businesses in our local communities with personal and business banking services. We’re proud of that. And we’re proud of this: we’re still your bank—right here, right now. What your parents wanted? We had it. What you need? We’ve got it. What your kids will face? We’ll solve it. You are our commi
  • Connex Credit Union
  • 412 Washington Ave, North Haven, CT, 06473
  • Connex Credit Union is one of Connecticut's largest credit unions serving more than 62, 000 members at 8 branches throughout greater New Haven. Headquartered in North Haven, Connecticut, Connex is a full-service member-owned credit union that offers members a full range of financial services and products, including savings and loans.
  • MSImortgage
  • 14 Church Street North, North Haven, CT, 06473
  • MSI Mortgage, 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. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism, and consideration.
  • Ascend Financial Network LLC
  • 250 State Street, Unit F2, North Haven, CT, 06473
  • Ascend Financial Network LLC are a residential/commercial lending brokerage that combines a complete knowledge of the financial markets and strong relationships with numerous lenders, to formulate the best financing options available for our clients.We have built a strong reputation as an outstanding mortgage-firm, serving the lending needs.
  • Embassy Bank for the Lehigh Valley
  • 100 Gateway Drive, Bethlehem, PA, 18017
  • Embassy, we’re committed to helping you make your financial journey a success. By offering the best in reliable, innovative, customized banking solutions, attentive personal service and expert professional guidance, we will provide a secure base from which you can explore your financial potential. Whether you’re an individual, a family or a busines
  • Bethlehem 1st Federal Credit Union
  • 2317 Easton Avenue, Bethlehem, PA, 18017
  • People First Federal Credit Union in Bethlehem Township, PA has provided financial products and services to its members in the Lehigh Valley region and beyond since 1950. People First is a full-service financial institution offering personal and business banking, great rates, credit cards, loans, mortgages, online and mobile banking, and more.
  • Direct Lending Partners
  • 95 Highland Ave, Suite 300, Bethlehem, PA, 18017
  • At DLP Lending, we offer direct funding for short-term real estate loans. Our practical approach allows us to get your deal done, even when banks and traditional lenders cannot. Speak to one of our lending professionals today to see what’s truly possible, and let’s turn your property into a done deal.
  • Alpha II Mortgage Inc
  • 956 Trenton Road, Fairless Hills, PA, 19030
  • At Alpha II Mortgage, Inc. Please feel free to ask any questions regarding your financial concerns and we will reply back the instant it reaches our email. We are here to answer all questions regarding the process of purchasing a first home, second home or investment property. We also have many products to fit your needs for the refinancing