Conventional Loans Vs FHA in Spring-Lake, NJ [in 2026]

In 2026, the loan limit for a Conventional loan in Spring-Lake, within the county of Monmouth, NJ, is $970,800, whereas the FHA loan limit is $970,800 for a single-family home.

Utilize the Lendersa® Conventional loan calculator to explore today's top rates, comparing Conventional, FHA, and USDA options. This helps identify the income, credit, reserves, and documents necessary for qualification. Our advanced mortgage calculator allows side-by-side comparisons of Conforming Conventional, USDA, FHA, and VA loans, aiding in choosing the optimal program for your financial needs in NJ.

Exploring Conventional and FHA Loan Options in Spring-Lake, NJ

Lendersa® aims to connect you with the best Conventional, USDA, or FHA loans efficiently. Choose one of three starting pathways that lead to matched lenders and loan programs tailored to your needs.

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

Spring-Lake Lenders
(732) 223-4450 Lender's profile and map Manasquan Bank 2221 Landmark Place, Manasquan, NJ, 08736 Lends in New Jersey Manasquan Bank has been dedicated to helping our community grow and thrive since 1874 with mortgages, construction loans, business loans, and everyday banking like checking and savings accounts. As technology has evolved, so have traditional banking capabilities and we take pride in providing you with the latest banking solutions.
(732) 714-4041 Lender's profile and map Dynasty Mortgage Network LLC 707 Union Avenue, Suite 201, Brielle, NJ, 08730 Lends in New Jersey Dynasty Mortgage is a premium mortgage company dedicated to providing affordable home loans for customers with various types of credit records. Whether you want a fixed rate mortgage, adjustable rate mortgage, a home equity loan, refinance, purchase, investment or debt consolidation, we have a loan for you with the lowest rates available.
(732) 864-6265 Lender's profile and map PRIME SOURCE MORTGAGE 139 Natick Trail, BRICK, NJ, 8724 Lends in New Jersey PrimeSourceMTG.com is your online resource for personalized mortgage solutions, fast customized quotes, great rates, & service with integrity. Prime Source Mortgage is a licensed Mortgage Broker licensed by NJ Dept. of Banking and Insurance. We do not issue mortgage commitments or fund mortgage loans.
(866) 248-2232 Lender's profile and map AAFC Group LLC 3430 Sunset Avenue, Suite 17, Ocean, NJ, 07712 Lends in New Jersey We are committed to offering only the highest quality professional service to our mortgage customers, realtors and associates. We’ll help you navigate the mortgage loan process, answering your questions and offering our advice along the way. Our customers are always treated with the utmost respect, courtesy and professionalism.
(732) 988-5000 Lender's profile and map The Loan Tree Corp 922 Main Street, Asbury Park, NJ, 07712 Lends in New Jersey The Loan Tree specialize in FHA 203K & Fannie Mae HomeStyle Rehabilitation Mortgages that allow for the purchase or refinance of your home while providing additional funds for rehab/improvements We also offer Low/No closing cost Conventional mortgages as well as FHA & VA mortgages at low fixed rates
(855) 652-6787 Lender's profile and map Advisors Mortgage Group, L.L.C. 1411 Highway 35, Asbury Park, NJ, 07712 Lends in New Jersey Advisors Mortgage Group, LLC was founded in October 1999 by a single loan officer in a 400 square foot office in Shrewsbury, New Jersey. In the years since its formation, AMG has grown to serve not only the greater New Jersey area, but also a vast portion of the United States. With branch offices up and down the East Coast
(848) 218-8487 Lender's profile and map UNITY RESIDENTIAL AND COMMERCIAL MORTGAGE, INC. 1806 Route 35, Suite 303, Oakhurst, NJ, 07755 Lends in New Jersey At Unity Residential and commercial Mortgage INC we are a full-service mortgage company based in NJ. We specialize in home loans and refinancing We also serve the surrounding cities. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
(732) 785-9183 Lender's profile and map Provident Bank 105 Chambers Bridge Rd, Brick, NJ, 08723 Lends in New Jersey 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
(732) 757-8526 Lender's profile and map Atlantis Mortgage 55 Oceanport Ave, West Long Branch, NJ, 07764 Lends in New Jersey The Atlantis team is committed to providing our clients with the highest quality financial services combined with the lowest rates available in your area. Our outstanding mortgage professionals will work one-on-one with you to provide a financial solution specifically tailored to meet your financing needs.