In the year 2025, the FHA loan limit for Morris county within Morris, NJ, is set at $1,089,300 for a single-family home. For properties with two units, the limit is $1,394,775. For three-unit homes, it is $1,685,850, and for four-unit residences, the cap reaches $2,095,200.
Meanwhile, the maximum allowable amount for conventional loans on a single-family home is $1,089,300. For two-unit houses, it is $1,394,775; for three units, the limit stands at $1,685,850; and for properties with four units, it extends to $2,095,200.
Our FHA calculator can assist you in uncovering today's most favorable FHA rates. It will guide you through determining the necessary down payment, verifying income requirements, understanding credit expectations, and recognizing the financial reserves and documents needed for qualification.
Utilize the Lendersa® calculator to assess FHA rates and terms, contrasting them with those of other loan types. Delve into and compare options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA.
By gathering loan program data from a broad network of lenders, Lendersa® delivers rapid comparisons tailored to your unique financial profile and needs.
The Loan Limits Comparison Table for 2025 in Morris within Morris, NJ, allows for comparison across different maximum loan amounts including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money limits. To further analyze qualification criteria such as income, reserves, and credit, use the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| USDA | $776,600 | $776,600 | $776,600 | $776,600 |
| VA | $1,089,300 | $1,394,775 | $1,685,850 | $2,095,200 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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