FHA VS Conventional loan programs in Toms-River, Ocean County, New Jersey
In 2026, the Conventional loan limit for Toms-River, located in the county of Ocean, NJ, is $970,800, whereas the FHA limit for a single-family home is $970,800.
Use the Lendersa® Conventional loan calculator to compare today's best rates for Conventional, FHA, and USDA loans. Determine the income, credit, reserves, and documents required to qualify. Our advanced mortgage tool compares Conforming Conventional loans next to USDA, FHA, and VA options, assisting in deciding which program in NJ best suits your personal financial conditions.
2026 Loan Limits and Down Payment Requirements in Toms-River, Ocean, NJ
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$970,800
3%
USDA
$657,900
0%
FHA
$970,800
3.5%
This comparison applies to zip codes: 08735
Conventional and FHA Loan Options in Toms-River, NJ
Lendersa® aims to quickly provide you with the best possible Conventional, USDA, or FHA loan without hassle. Choose from three starting points that connect you to suitable lenders and loan programs.
"Founded in 2004, Watkins Home Loans has helped countless clients finance their homes and investment properties.
We take pride in our friendliness, availability and professionalism in making the mortgage financing process as informed, streamlined and efficient as possible.
Whether it’s your first home, a vacation home, or an investment pr
9808 Scranton Road, Suite 3000, San Diego, CA, 92121
"Plaza Home Mortgage, Inc. is a privately-owned national wholesale and correspondent mortgage lender. Founded in 2000, we have built our business on relationships and our deep understanding of the needs of the TPO community. Our Wholesale channel offers our broker clients a wide variety of product options, technology to help them present"
Vervent sets the standard of outperformance in complex service industries by delivering superior industry expertise, future-built technology and meaningful services that are built for speed. Our solutions - Loan Servicing, Lease Servicing, Backup Servicing, Call Center Services and Third-Party Collections - empower companies to accelerate business.
10509 Vista Sorrento Pkwy #400, San Diego, CA, 92121
C2 Financial Corporation is one of the nation’s largest mortgage brokers,We have been ranked a Top 50 Mortgage Lender in the Scotsman Guide and employ several of Scotsman’s Top 500 loan originators in the country. In addition, we were recently ranked in the Top 20 Best Companies to Work For by Mortgage Executive Magazine.
11300 Sorrento Valley Road, Suite 103, San Diego, CA, 92121
"Integrity Capital is a leading hard money lender based in San Diego, CA. We specialize in real estate loans on all types of commercial and residential real estate. We are structured so that you speak directly to the decision maker. Loans can be funded as quickly as 3 days from receiving all due diligence documents"
11839 Sorrento Valley Rd., Suite 903, San Diego, CA, 92121
"First Security Mortgage is a family owned and operated company that has been arranging private money loans for California residents since 1972
Founded in 1972 and located in San Diego Ca., First Security Mortgage Home Loans Inc is a broker and Servicing Company for Hard Money Loans. We originate Real Estate Loans in California only
Our goal is to become your professional mortgage resource not just for this transaction, but for all your financing needs in the future. Our time and resources are spent making your next real estate finance experience the best you've ever had. We take great pride in building lifelong relationships. In fact, we guarantee you an experience unlike an
11696 Sorrento Valley Rd, Suite 201, San Diego, CA, 92121
We are a direct hard money lender providing same day loan commitments and fundings within your closing timelines (within a few days if necessary) We do not issue loan commitments only to have to raise money for the funding of a particular loan. We are a Direct Lender with the capital readily available.
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans 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.
