USDA Loan Vs. FHA loan pro & con for Beachwood, Ocean County, NJ

In 2025, USDA loan limit in Beachwood, county of Ocean, NJ is $776,600 while FHA limit is $1,089,300 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Beachwood, NJ

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in New Jersey?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(605) 342-7776 1508 miles Lender's profile and map Reviews Med 5 Federal Credit Union 4956 5th Street, Rapid City, SD, 57701 We strive to create a high-performance credit union committed to offering our members a competitive advantage on products and service compared to traditional lenders and big banks. Through our commitment to become our members’ primary financial institution, we shall consistently and constantly strive to assist members to attain their personal
(800) 672-6365 1508 miles Lender's profile and map Reviews Highmark Federal Credit Union 725 5th St, Rapid City, SD, 57701 Highmark Federal Credit Union is Rapid City’s first credit union. Originally chartered as Rapid City Teacher’s Federal Credit Union in 1940, we are a member-owned, not-for- profit financial cooperative with six locations serving anyone located across 11 counties in Western South Dakota and Eastern Wyoming.
(605) 718-1818 1508 miles Lender's profile and map Reviews Black Hills Federal Credit Union 200 Main Street, Rapid City, SD, 57701 BHFCU has been a part of buying thousands of first cars and starter homes. We've helped hundreds go to school or back to school. Our credit cards and debit cards have bought a lot of birthday presents and groceries. We've believed in small businesses when they were little more than an idea.
(605) 646-2800 1508 miles Lender's profile and map Reviews Unify Home Lending 2101 Mt. Rushmore Rd, Suite 300, Rapid City, SD, 57701 We are the Midwest's newest Mortgage Lender! Backed by tremendously experienced, ethical, and hardworking individuals; we have over 100 years combined experience and knowledge in the mortgage industry. In a day where it seems everyone is franchising or net branching, we are breaking out of the mold to provide better service.
(605) 391-8777 1508 miles Lender's profile and map Reviews OMNI HOME FINANCING LLC 1508 Mt Rushmore Road, Rapid City, SD, 57701 Omni Home Financing in 2003, and is a leader in the Black Hills mortgage marketplace. A locally owned, boutique mortgage broker serving over 3,000 clients and over $493,000,000 funded, Omni has a great reputation for smooth, on-time, no surprises closings with the best terms, and also Black Hills marketplace in wholesale mortgage lending.
(605) 484-3591 1508 miles Lender's profile and map Reviews HERITAGE HOME LENDING 2209 Mount Rushmore Rd, Suite 1, Rapid City, SD, 57701 Heritage Home Lending is a Mortgage Brokerage founded in Rapid City, SD. The goal is your peace of mind. The goal is to earn your trust and exceed your expectations. Jesse Herrington and Brady MacIver are two very experienced loan officers that will be working diligently on your behalf.
(325) 695-3000 1508 miles Lender's profile and map Reviews Citizens Bank, National Association 4201 S Treadaway Blvd, Abilene, TX, 79602 Citizens Bank Has Served The Financial Needs Of Customers In The Big Country And Rolling Plains Regions Of Texas For Almost 100 Years. We Are Locally Owned And Committed To Building Strong And Enduring Relationships With Our Customers. We Offer A True, Full Service Experience That Can Serve You During All Stages Of Life And Business.
(325) 793-1810 1508 miles Lender's profile and map Reviews Lone Star Ag Credit 4449 Loop 322, Abilene, TX, 79602 Lone Star Ag Credit, a rural lending cooperative headquartered in Fort Worth, Texas, is one of the most experienced rural real estate and agricultural lenders in the state. We operate 16 offices covering 48 counties throughout north and central Texas and have $1.7 billion in assets.
(308) 762-1871 1509 miles Lender's profile and map Reviews Consumers Cooperative Federal Credit Union 217 Toluca Avenue, Alliance, NE, 69301 Established in 1950, Consumers Cooperative FCU, is a financially sound institution providing quality, personalized, competitive services to all of our membership. We service all employees and customers of WESTCO and We provide products and services that help the financial stability and economic growth for both our members and our community
(806) 248-7531 1510 miles Lender's profile and map Reviews The State National Bank of Groom 99 Broadway St., Groom, TX, 79039 At The State National Bank of Groom, we value our customer relationships. Our mission is to be the outstanding banking organization in our trade territory, capable of successfully competing against organizations that are marketing the same products and services.We will achieve this by consistently delivering superior service
(308) 254-2401 1511 miles Lender's profile and map Reviews Sidney Federal Savings & Loan 1045 10th Avenue, Sidney, NE, 69162 Our excellent loan origination department and servicing staff are just two of the reasons we are one of the leading mortgage lenders in Western Nebraska. Mortgage loans are our expertise, but we also specialize in auto loans, home equity loans, home improvement loans and consumer loans.
(512) 396-1121 1511 miles Lender's profile and map Reviews Blue Sky Mortgage Company 2700 Hunter Rd, Suite B, San Marcos, TX, 78666 Blue Sky 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. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you.