USDA and FHA Pro and Con in Hamilton-Square, Mercer County, NJ
For 2025, in Hamilton-Square, within the county of Mercer, NJ, the USDA loan limit is $306,700, whereas the FHA limit for a single-family home is $356,362.
Utilize Lendersa®'s USDA loan calculator to assess and compare the current top USDA versus FHA rates, determining necessary income, credit rating, reserves, and documents required for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, assisting you in choosing the best program available in tailored to your financial needs.
2025 Loan Limits and Down Payment Requirements in Hamilton-Square, Mercer, NJ
Loan Type
Max Loan Amount
Down Payment
USDA
$306,700
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Opportunities in Hamilton-Square, NJ
At Lendersa®, our objective is to ensure you quickly secure the most favorable USDA or FHA loan with minimal effort. Select one of three starting points leading to matching lenders and suitable USDA loan programs.
Backed by the government's Department of Agriculture, a USDA home loan, often called a USDA rural development loan, is specifically designed for rural areas. In contrast with FHA loans requiring a minimum 3.5% down payment, USDA loans require zero down payment, making them exceptionally accessible for aspiring homeowners.
As a local mortgage broker I am able to help you find the best rates and fees for your personal situation. Whether I am your first choice, or you just want a second opinion, I can help. It is not uncommon for me to be able to offer a similar rate to my competitors while paying most if not all the closing costs associated with a mortgage.
722 West Shepard Lane, Suite 104, Farmington, UT, 84025
At TruePointe 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.
First National Mortgage, 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.
Remarkable Home Loans team is committed to providing clients with the highest quality financial services combined with the lowest rates available in your area. The outstanding mortgage professionals here will work with you one on one to ensure that you get a financial solution that is tailored specifically to meet your financing needs.
Rock Canyon Bank is dedicated to providing quality financial solutions in a secure and timely manner while providing the professional and personal attention you deserve. We know you have many choices when it comes to banking services and we invite you to bank with us and feel the difference at Rock Canyon Bank.
Secure Private Funding will help you receive cash back on your free and clear rental properties and assist you with your investment real estate purchases. We will not check your credit score or look at your monthly income for you to qualify for our loans. You will increase your working capital to better take advantage.
Alpine Credit Union customize a home loan to fit your specific needs. We can provide you with several financing options. These options all provide you with a competitive rate, low closing costs, and fast approval/funding.
Benefits of using Alpine Credit Union’s Mortgage Department.
Empire Mortgage and Investment, L.C have been serving Utah home and investment property owners since 1998 and have a wealth of experience to counsel you through the lending process. As a broker, we contract with different wholesale lenders to help you obtain the best mortgage terms possible.
First Colony Mortgage Corporation is a full service mortgage banking company serving Utah, Colorado, Idaho, Arizona, Oregon, and Wyoming. First Colony was founded in 1984 by John M. Aldrich and Scott Shelley. Most mortgages are processed, underwritten and closed in house. Since inception First Colony has funded over 50,000 mortgages.
We specialize in loans for veterans & active duty military service members. We work fast and move quick. We get loans done in as fast as 3 weeks from start to finish. No junk LENDER Fee's on VA Loans. We are a "wholesale mortgage lender to the public. We get better terms with zero lender fee's.
Making Mortgages FUN, one home at a time!
Let's take care of your mortgage AND have some FUN! I love helping people buy and refinance their homes here in Utah. I love Utah! Loans don't have to feel like an applicationscopy.
It is my job to help you through this process and make it as stress-free as possible.
