In 2025, the FHA loan limits in Wharton County of Morris, NJ are $1,089,300 for single-family homes, $1,394,775 for properties with two units, $1,685,850 for those with three units, and $2,095,200 for four-unit residences.
For conventional loans, the maximum amount available for a single-family home is $1,089,300. Two-unit dwellings have a cap of $1,394,775, three units can reach up to $1,685,850, and for four units, it's $2,095,200.
Use our FHA calculator to access today's leading FHA rates and determine the necessary downpayment, income, credit, reserves, and documentation required for qualification.
Utilize the Lendersa® calculator to contrast FHA rates and terms with various other loan programs. Delve into options such as Conventional loans, Jumbo, VA, USDA, Non-QM, and hard money loans compared to FHA offerings.
Lendersa® compiles extensive data from thousands of lenders, providing swift tailoredded comparisons that match your financial profile and requirements.
Our Loan Limits Comparison Table for 2025 in Wharton County, Morris, NJ, allows you to compare maximum loan amounts for FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. To assess qualification metrics like 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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