For the year 2026, FHA loan limits in Mountain-Lakes county of Morris, NJ are set at $822,375 for a single-family home. Two-unit properties have a limit of $1,053,000, three-unit homes are capped at $1,272,750, and four-unit residences reach $1,581,750.
Conventional loan limits on a single-family home are $822,375, $1,053,000 for two-unit homes, $1,272,750 for three-unit properties, and $1,581,750 for four-unit houses.
Use our FHA calculator to discover today’s top FHA rates and understand the required downpayment, income, credit, reserves, and documentation for qualification.
Utilize the Lendersa® calculator to compare FHA rates and terms with those of other loan programs. Explore options like Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans alongside FHA choices.
Lendersa® gathers extensive loan program data from thousands of lenders, providing swift comparisons tailored to your financial profile and needs.
For the current year 2026, the Loan Limits Comparison Table in Mountain-Lakes within Morris, NJ helps you analyze FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money maximum loan amounts. Use the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to evaluate qualification needs such as income, reserves, and credit.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| USDA | $657,900 | $657,900 | $657,900 | $657,900 |
| VA | $822,375 | $1,053,000 | $1,272,750 | $1,581,750 |
| 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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