FHA VS Conventional loan in Wharton, Morris County, New Jersey
In the year 2026, the conventional loan ceiling for Wharton, located in Morris, NJ, is set at $1,089,300. Meanwhile, for a single-family residence, the FHA cap is $1,089,300.
Utilize the Lendersa® Conventional loan calculator to compare today's best rates among Conventional, FHA, and USDA loans. You can evaluate the necessary income, credit score, reserves, and documentation needed to qualify. Our advanced calculators let you view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding in determining the right program for your financial needs in NJ.
Loan limits and down payment requirements in Wharton, Morris county, NJ for 2026
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$1,089,300
3%
USDA
$776,600
0%
FHA
$1,089,300
3.5%
These comparisons are valid for the zip codes: 7885
Available Conventional and FHA loans in Wharton, NJ
Lendersa® is committed to providing you with the highest quality Conventional, USDA, or FHA loan quickly and conveniently. Choose from three different starting options to connect with matching lenders and suitable loan programs.
Lakeland Bank is the wholly-owned subsidiary of Lakeland Bancorp, Inc., with over $8 billion in total assets. With an extensive branch network and commercial lending centers throughout New Jersey and Highland Mills, NY, the Bank continues to build on its infrastructure of financial strength, profitability, efficiency and quality service.
333 Route 46 W, Suite 201, Mountain Lakes, NJ, 7046
Lends in New Jersey
At BetterWay Mortgage Company, our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Take advantage of our expertise in the residential lending industry by applying online today. You will find that the skill, professionalism,
American Mortgage Partners, Inc. Our mortgage representatives specialize in providing home loans to borrowers in New Jersey and Pennsylvania. We have decades of experience offering top-notch client service. In addition to conventional and FHA, VA, and USDA loans, we provide solutions beyond traditional banking.
Established in 1980, in Chatham, NJ Mortgage Access Corp. is licensed in over 40 states. As a Licensed Mortgage Banker, Mortgage Access Corp. derives its mortgage products from many sources & investors; unlike banks or savings & loan institutions, which are often limited by the availability of their own deposits & a single lending philosophy.
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.
Union Building Trades Federal Credit Union, a unique financial institution serving the building trade unions of Northeastern U.S.. Union Building Trades Federal Credit Union is a member owned, not for profit, financial cooperative dedicated to the financial well being of its members.
959 Route 46 East, Suite 401, Parsippany, NJ, 07054
Lends in New Jersey
HomeLend Mortgage is a direct lender proud to serve you with honesty, integrity, and competence. We provide home loans with the lowest interest rates and closing costs possible. HomeLend Mortgage apart from other digital mortgage & refinance providers is not just our competitive low rates and our robust array of loan programs
959 Route 46 East, Suite 401, Parsippany, NJ, 07054
Lends in New Jersey
Kwik Mortgage was founded in 1998 with a commitment to break down the barriers to owning a home & educating homeowners. Kwik Mortgage has helped hundreds of families find ways to accomplish their home ownership needs whether buying a first home or refinancing your current loan. Customizing a mortgage to suit your family’s specific needs is an art.
eLEND® is a National mortgage lender that utilizes technology in ways that simplifies the home loan process. From e-signatures for your disclosures to online status updates of your loan, eLEND® will change the way you think of the cumbersome mortgage process. eLEND® believes in speed and transparency as the way to ultimate customer satisfaction.
