FHA VS Conventional loan programs 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.

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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.

Lendersa USDA loan request match results


  • Bremer Bank
  • 380 Saint Peter St, Suite 500, Saint Paul, MN, 55102
  • We offer banking, mortgage, investment, wealth management, trust and insurance in Minnesota, North Dakota and Wisconsin. We’re here to help you solve your toughest problems, seize your biggest opportunities, and achieve success on your terms, now and in the future. Bremer Bank has roots in the places where we live and work that go back to 1943.

  • NSP St. Paul Credit Union
  • 825 Rice Street, Saint Paul, MN, 55117
  • Northern States Power St. Paul Credit Union has been proud to exclusively serve the employees of XCEL (formerly NSP) Energy Company and their families. Since day one, NSP was founded to provide more specialized, hands-on service and better cater to the specific needs of our members—and above all else.

  • Jay Dacey Mortgage Team Inc
  • 2862 Middle St, Saint Paul, MN, 55117
  • Since 2003, Jay Dacey has been helping home owners plan for, obtain and manage their home loans. The Jay Dacey Mortgage Team was founded to fulfill our mission to help clients achieve the American Dream of home ownership. Our vision is to become the largest independent mortgage brokerage in MN by delivering 5 star service.

  • Sunrise Banks, National Association
  • 200 University Avenue West, Suite 100, Saint Paul, MN, 55103
  • At Sunrise Banks, our success relies on the success of the communities we serve. We offer financially inclusive products that aim to better the lives of our clients in the Twin Cities Metro and beyond. We don’t see ourselves as bankers – we see ourselves as a social engine for good. The Sunrise family has been serving the urban core of Minneapolis

  • Kvikstad Mortgage Solutions Inc
  • 2462 Hampshire Court, Mendota Heights, MN, 55120
  • Kvikstad Mortgage Solutions the company in 2004 to provide a better and more personalized option for my clients. As an independent, small business I have very little overhead, so I am able to pass those savings on to my clients. I do not have to charge the same high fees and rates as the banks and other big companies.

  • Gabriel Financial Group Inc
  • 1171 Northland Drive, Suite 100, Mendota Heights, MN, 55120
  • Gabriel Financial Group is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools

  • Spectra Home Mortgage
  • 750 South Plaza Drive, Suite 319, Mendota Heights, MN, 55120
  • At Spectra Home Mortgage, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Ocean Mortgage Capital
  • 601 21st Street, Suite 300, Vero Beach, FL, 32960
  • Ocean Mortgage Capital, Inc. (OMC), whose principal has 20+ years of lending experience, is the premier residential mortgage broker on Florida's Treasure Coast. OMC handles all of your mortgage financing needs - including conventional and FHA loans, No-Doc Mortgage investor loans and Reverse Mortgages.

  • MLP Home Mortgage Inc.
  • 1335 Corporate Center Curve, Suite 240, Saint Paul, MN, 55121
  • At MLP Home Mortgage Inc, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Certainty Home Loans LLC
  • 1354 E. JOHN SIMS PARKWAY, Niceville, FL, 32578
  • Certainty Home Loans has been helping homebuyers for over 20 years, with a focus on making homeownership a reality by putting people first and investing in the right technology and Our core belief is that our Certainty family is our #1 asset. We never want to lose sight of the importance of our team members or of our values: integrity, quality.

  • Security State Bank
  • 207 Isabella Street, Radcliffe, IA, 50230
  • Security State Bank (SSB) is one of the oldest banks in Iowa. On July 1, 1884 the Bank of Radcliffe was the 1st Bank to be established in Radcliffe, Iowa. In 1914, the bank was incorporated & the name was changed to Security State Bank. We are proud to be celebrating over 135 years of community service to the Hardin, Hamilton, & Story County areas.