FHA VS Conventional loan programs in Rutherford, Bergen County, New Jersey
For 2026, the conventional loan limit in Rutherford, county of Bergen, NJ, is $1,089,300. Meanwhile, the FHA limit for a single-family home is $1,089,300.
Use the Lendersa® Conventional loan calculator for comparing today’s best rates among Conventional, FHA, and USDA loans. Evaluate income, credit, reserves, and required documents. Our advanced mortgage calculator allows you to see Conforming Conventional, USDA, FHA, and VA loans side by side, helping you choose the right program in NJ.
2026 Loan Limits and Down Payment Requirements in Rutherford, Bergen County, NJ
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$0
0%
FHA
$1,089,300
3.5%
Applies to zip codes: 7070
Conventional and FHA Loan Options in Rutherford, NJ
The goal of Lendersa® is to secure the best loan possible—Conventional, USDA, or FHA—quickly and effortlessly. Choose from three starting points to find matching lenders and programs.
125 Kingsland Avenue, Suite 201, Clifton, NJ, 07014
Lends in New Jersey
Waring Investments, Inc. was founded in 1991. Owners and principals, Morris and David Spector, have successfully led Waring since its inception and have over 50 years of combined experience in the hard money loan business. They have distinguished the Company as a direct lender in the commercial-private and hard money real estate market.
At Keypoint 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.
Funding Resources Mortgage Corporation on a platform of superior quality lending practices, uncompromising integrity and unprecedented client service. FRMC is a client-focused mortgage-banking firm designed to make every clients’ mortgage experience pleasant and successful. FRMC accomplishes this goal
Dennis Viera mortgage broker, solely with the best interest of my clients in mind. With strong working relationships with over 20 lenders and a great network of realtors, I continue to find the perfect fit for my buyers while maintaining a fast and efficient process, but more importantly, keeping an absolute focus on the expectations
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.
XCEL Federal Credit Union is federally insured, regulated, and examined annually by both the federal government and an independent CPA firm. Each member’s deposits are insured to the $250, 000 maximum allowable limit by the National Credit Union Administration (NCUA), which is backed by the full faith and credit of the U.S. government.
At Reverse Mortgage Funding LLC (RMF), we are dedicated to helping older Americans live the retirement lifestyle that they imagined and deserve, in the comfort of their own home. Reverse mortgages are our only line of business, and meeting the needs of this important segment of our society is at the core of everything we do.
The Capital Lenders Money is the lifeblood of business, and you need someone you can trust to help you with the financing and working capital necessary to keep your company afloat. At The Capital Lenders, we are nationally recognized for our resources and commitment to finding customized solutions for our customers’ commercial finance needs.
Schuyler Savings Bank has been serving the Kearny and surrounding NJ communities since 1924. As a true “Community Bank”, we are committed and dedicated to providing excellent service to our customers with branches both in Kearny and Harrison. Being very attentive to customer needs and offering more personalized service.
