Explore the differences! FHA VS Conventional loan programs in Somers-Point, Atlantic County, New Jersey

In 2025, Convetional loan limit in Somers-Point, county of Atlantic, NJ is $647,200 while FHA limit is $420,680 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 Somers-Point, county of Atlantic, NJ

Loan Type Loan Limit Down payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

The comparison table applies to zip codes: 8244

Conventional and FHA loan options in Somers-Point, 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


  • OnPoint Financial, LLC
  • 7600 North 15th Street, Suite 150-2, Phoenix, AZ, 85020
  • At OnPoint Financial, we ensure we have solutions for every type of homeowner! It doesn’t matter if you are buying your first home, upgrading into your dream home or building wealth buying investment properties – let the experts at OnPoint Financial keep you pointed in the right direction.
  • Next Page Funding LLC
  • 7301 North 16 Street, Suite 102, Phoenix, AZ, 85020
  • Next Page Funding LLC mission is to serve our customers with honesty, integrity and competence. Our goal is to provide financing 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.
  • Innovate Mortgage Inc.
  • 1819 East Morten Avenue, Suite 170, Phoenix, AZ, 85020
  • Jud Holmes opened Innovate Mortgage in 2018 because He wasn’t satisfied with the service & programs that I could offer as part of a big bank. As a broker with low overhead, I can pass the savings of running a lean operation on to my clients in the form of better rates and lower closing costs. Not only that but I can get files closed faster.
  • Clarke Capital LLC
  • 7301 North 16th Street, Suite 102, Phoenix, AZ, 85020
  • Curtis Clarke has serviced the Phoenix valley with home loans since 2005. With almost 10 years of service & expertise he knows how to save you the most money with the financing on your home. valley with home loans since 2005. Clarke Capital LLC, offering personalized mortgage solutions, fast customized quotes, great rates & service with integrity.
  • Starlight Mortgage Inc.
  • 1819 East Morton Avenue, Suite 170, Phoenix, AZ, 85020
  • We take pride in providing you with excellent service and appreciate the opportunity to assist you with your Mortgage Needs. We specialize in helping Arizona families get quality VA financing with VA loans and VA streamline and cash-out refinances. We're licensed to issue VA loans in the great state of Arizona
  • Platinum Mortgage Inc.
  • 352 E Riverside Dr, Suite a-5, Saint George, UT, 84790
  • Platinum Mortgage is a lending company that can shop multiple lenders to get you the best rate. Our Mission is to give you the “Platinum Standard” or service throughout the mortgage process. Provide a variety of mortgage and lending services in the state of Utah. Platinum Mortgage was founded December 21st 2011.
  • Mortgage HQ
  • 3111 East 2890 South, Saint George, UT, 84790
  • Mortgage HQ's key to our success has been a combination of consistently offering the lowest possible rates, responding quickly, and above all providing outstanding customer service. We take pride in treating our clients with honesty and integrity and look forward to earning your trust.
  • Red Rock Home Loans
  • 169 West 2710 S Circle, Suite 202A, Saint George, UT, 84790
  • We are dedicated to making the loan process a satisfying experience. We use up-to-date technology to provide you with the tools necessary to research the loan right for you, find answers to mortgage questions, and complete the mortgage application process.Our goal is to help the you find a loan that fits your unique needs.
  • Desert Financial Credit Union
  • 148 North 48th Street, Phoenix, AZ, 85034
  • "At Desert Financial Credit Union, where we chat about what’s happening around Arizona, give away awesome prizes and keep you up to date on our news and events! Credit Union, where we chat about what’s happening around Arizona, give away awesome prizes and keep Federally insured by the NCUA. Equal Housing Opportunity."
  • BILT Capital
  • 1150 E Riverside Dr, Suite 911598, Saint George, UT, 84791
  • We are a hard money lender focused on funding projects in Utah, Southern Idaho, and Southern Nevada. We offer funding programs for Fix and Flips, Residential and Commercial Bridges, and Land Development. UT Providing funding throughout Utah Great Projects Are Not Funded, They're BILT
  • Paragon Mortgage Corporation
  • 1130 E Missouri Ave, Suite 204, Phoenix, AZ, 85014
  • Paragon Mortgage Corporation is an FHA, HUD MAP and LEAN approved mortgage lender solely focused on HUD-insured financing for over 33 years. Headquartered in Phoenix, Arizona, Paragon Mortgage is known for its highly experienced staff representing decades of originating, underwriting and processing of HUD/FHA loans.