FHA VS Conventional loan programs in Upper-Saddle-River, Bergen County, New Jersey

In the year 2026, the Conventional loan limit in Upper-Saddle-River, county of Bergen, NJ, is $970,800, while the FHA limit for a single-family home is $970,800.

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Utilize the Lendersa® Conventional loan calculator to compare today’s top rates for Conventional, FHA, and USDA loans, determining the necessary income, credit profile, reserves, and required documentation for qualification. Our advanced mortgage calculator offers a side-by-side view of Conforming Conventional loans, USDA, FHA, and VA loans, helping you choose the best program in NJ for your specific financial needs.

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2026 Loan Limits and Down Payment Requirements in Upper-Saddle-River, Bergen, NJ

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

This table applies to zip codes: 7458

Exploring Conventional and FHA Loan Options in Upper-Saddle-River, NJ

The aim of Lendersa® is to swiftly and efficiently connect you with the most suitable Conventional, USDA, or FHA loan. Start with one of three pathways to find matching lenders and loan programs tailored to your needs.

  1. Submit a comprehensive request for Conventional/USDA/FHA loan optimization
  2. Discover the terms and rates for Conventional, USDA, and FHA loans upfront
  3. Access the most extensive database of Conventional lenders
Result of USDA loan request matching through Lendersa



  • Liberty Bank
  • 2403 Homer M Adams Pkwy, Alton, IL, 62002

  • Liberty Bank, headquartered in Alton, Illinois, was founded by area businessmen in 1994. Expanding to Godfrey in 1997 and Bethalto in 2006, it has since grown to include a total of four locations serving Madison County. In 2017, Liberty Bank joined United Community Bank and now includes more than 100 Bank & ATM locations

  • Preferred Mortgage, Inc.
  • 2375 C Homer Adams Pkwy, Alton, IL, 62002

  • At Preferred Mortgage, Inc., offers the best services in mortgage financing at the lowest cost to you. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools that enable you to make sound choices. As full-service mortgage brokers, we offer a wide range of loans from government (VA, FHA)

  • Home South Mortgage. Company
  • 1104 W Ft Williams St, Sylacauga, AL, 35150

  • We pride ourselves on making Alabama mortgages easy. Whether you're a first-time homebuyer or looking to save on your current mortgage, we can help. There’s a reason why we have a 99.9% customer retention rate. When you get your mortgage with us, we get you the lowest rates and we let you know when you can refinance and save.

  • Bank of Belleville
  • 215 South Illinois St, Belleville, IL, 62220

  • We are invested in making the communities we serve stronger and providing the best experience for our clients. “Smaller Bank, Bigger Service, Stronger Community” is not just a tagline; it’s a promise. Our commitment to client and community service is at the forefront of everything we do.

  • SUPERIOR HOME LOANS LLC
  • 301 West A Street, Belleville, IL, 62220

  • 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

  • FCB Banks
  • 2610 N Illinois St, Swansea, IL, 62226

  • FCB Banks are committed to being your first choice for financial services.We are locally owned and managed with experienced staff and officers and FCB Banks is a bank with operations in one state. FCB Banks offers numerous mortgage programs including conventional, non-owner occupied, FHA, VA, USDA, construction and bridge loan mortgages

  • Coast2coast mortgage
  • 11481 Old St. Augustine Rd, Suite104, Jacksonville, FL, 32258

  • "We offer the assistance you need in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process.

    Today's technology has changed the way we do business. For example, through our website"

  • Coast2Coast Mortgage - Hard Money Division
  • 11481 Old St Augustine Rd, Suite 104, Jacksonville, FL, 32258

  • Coast2Coast Mortgage – Hard Money Division is committed to the best Hard money solutions for all of our clients individual needs. Whether you have perfect credit or less than perfect credit, we can help you reach your financing goals. Our Hard Money programs are asset based, and we lend on a variety of residential and commercial properties.

  • FHA Mortgage Source
  • 11481 Old St. Augustine Rd, Suite #104, Jacksonville, FL, 32258

  • "FHA Mortgage Source is committed to providing our customers with the most accurate and latest FHA information available online today.

    Our partners have an in-depth understanding of Government home loans and take time to evaluate your personal situation to find you the best options. "

  • Community First Bank WI
  • 925 Wisconsin Avenue, Boscobel, WI, 53805

  • Community First Bank is the financial institution of choice in the markets we serve. Our customers are achieving greater success through our tailored financial solutions. We continue to provide innovative technology that allows our customers to maximize the value of the products and services that they receive from us.

  • Greenfield Banking Company
  • 112 N. Front Street, Greenfield, TN, 38230

  • Greenfield Banking Company is a $67 million financial institution serving Greenfield, Weakley County, and the surrounding area. We have one main facility with two convenient ATM locations, sound lending ability and enhanced banking products and services. We're committed to providing high quality, personalized service.
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