FHA VS Conventional loan programs in 2025 for Upper-Montclair, Essex County, New Jersey

The Conventional loan cap in Upper-Montclair, located in Essex county, NJ, for 2025 is set at $970,800, whereas the FHA loan limit for a single-family home is $970,800.

Utilize the Lendersa® Conventional loan calculator for comparing today's best rates for Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documentation are needed for eligibility. Our advanced mortgage calculator provides side-by-side views of Conforming Conventional, USDA, FHA, and VA loans, aiding you in determining the ideal program in NJ for your financial needs.

Explore diverse loan offers from a wide network of 100 lenders

Understanding 2025 Loan Limits and Down Payment Requirements in Upper-Montclair, Essex County, NJ

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

This comparison table is applicable to specific zip codes: 7043

Explore Conventional and FHA Loan Options in Upper-Montclair, NJ

Lendersa® is dedicated to securing the most beneficial Conventional, USDA, or FHA loan for you quickly and smoothly. Choose one of three starting points that will connect you with the most pertinent lenders and loan programs.

Lendersa USDA loan request and result match outcomes


  • Cummings Mortgage Service
  • 2609 Columbus Avenue, Sandusky, OH, 44870
  • "We specialize in residential mortgages. We offer Conventional, FHA, VA, First Time Homebuyers, Reverse Mortgages, Rural Development, and nonconforming mortgages with a focus on service and low costs. All loans are processed in our office. We are HUD approved and the first licensed mortgage broker in the State of Ohio."
  • HealthShare Credit Union
  • 1200 N Elm Street, Greensboro, NC, 27401
  • HealthShare Credit Union is a not-for-profit financial cooperative providing the best service to our most important assets - our members. Your credit union was chartered in 1955 to serve the employees of Moses Cone Hospital. Over the next 50 years, as Moses Cone Health System grew
  • Greensboro Municipal Federal Credit Union
  • 217 N Greene Street, Greensboro, NC, 27401
  • Greensboro Municipal Federal Credit Union was originally chartered by the State of North Carolina. In 1937, City of Greensboro workers pooled their resources and created Greensboro Municipal. The credit union converted to a federal charter in 2011. Now, after all of these years of continuous operation,
  • Helms Mortgage
  • 701 Green Valley Rd, Suite 208, Greensboro, NC, 27408
  • At Helms Mortgage LLC. We look forward to working with you We offer easy and convenient online tools coupled with the assistance of an experienced loan officer and dedicated processor. Together they will guide you through the often difficult and confusing process of choosing and securing the right loan to meet your specific needs.
  • Acclaim Federal Credit Union
  • 1823 Banking Street, Greensboro, NC, 27408
  • Acclaim FCU is a member-owned, full-service credit union. We focus on linking you to your goals with our checking & savings accounts, auto loans, personal loans, mortgage loans, rewards credit cards, and more. They recognized that each person and family had a story and different needs, & they wanted a financial institution that recognized that too.
  • The Marblehead Bank
  • 709 West Main Street, Marblehead, OH, 43440
  • In 1907, a group of Peninsula residents met and decided their growing community should have the facilities of a local bank. The nearest bank was over an hour away in Port Clinton Ohio. The Marblehead Banking Company of Marblehead Ohio was organized as a result of this meeting and a charter was granted by the State Banking Department of Ohio
  • IMG Mortgage Greensboro
  • 5574 Garden Village Way, Suite B-3, Greensboro, NC, 27410
  • Integrity Mortgage Group offers wide range of lending programs, including first time home buyer/FHA loans as well as loans for well-established customers thinking about second homes, vacation homes, investment properties, rental units, and "fixer-uppers." We also have a variety of money-saving refinancing options.
  • First Carolina Mortgage
  • 102 Dolley Madison Road, Greensboro, NC, 27410
  • At First Carolina Mortgage, we have been proudly serving the Greensboro, Triad, North Carolina area since 1990. We strive to render professional service in a friendly atmosphere. Our loan officers have the skills and experience to meet your lending needs. Customer satisfaction will always be our top priority.
  • Jefferson Capital Mortgage
  • 3859 Battleground Ave, Suite 101, Greensboro, NC, 27410
  • At Jefferson Capital Mortgage. We are a local full-service mortgage company based in Greensboro, North Carolina. We service all of North Carolina and Virginia. We specialize in FHA, VA, USDA, HomePath, Jumbo and Conventional Loans. Whether you are buying a home or refinancing in North Carolina or Virginia we can help you realize you.
  • Triad Business Bank
  • 1501 Highwoods Boulevard, Suite 103, Greensboro, NC, 27410
  • The Triad’s economy is fueled by small businesses and these companies need capital to continue to thrive. The Triad has gone from a banking community with local leadership with a vested interest in the Triad to larger institutions with broader interests. Triad Business Bank can be a catalyst for our community.
  • The Pataskala Banking Company
  • 354 S. Main St., Pataskala, OH, 43062
  • The Pataskala Banking Company was founded in 1888 by William Henry Mead II and J. S. Youmans as a community bank serving southwest Licking County and it remains one of the few true community banks in central Ohio. Our first office opened in downtown Pataskala in 1888 and we have maintained a presence in downtown Pataskala
  • Bank of Oak Ridge
  • 8050 Fogleman Rd, Oak Ridge, NC, 27310
  • Established in 2000, Bank of Oak Ridge is a community bank dedicated to delivering Spectacularly Local banking. With Triad locations in Oak Ridge, Greensboro, High Point and Summerfield, North Carolina, we focus on providing personalized, convenient banking services close to home and work