FHA Vs. USDA loan program for Independence, Warren County, New Jersey

In the year 2025, the USDA loan limit for Independence, located within Warren, NJ, is $336,500, while the FHA ceiling for a single-family home stands at $472,030.

Utilize the Lendersa® USDA loan calculator to analyze and contrast today's foremost USDA and FHA rates. It helps determine the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator provides a comparative view of USDA, FHA, Conforming, and VA loans, aiding you in choosing the best program for your financial situation specific to .

Available USDA and FHA Loan Options in Independence, NJ

The objective of Lendersa® is to quickly and smoothly help you obtain the best possible USDA or FHA loan. Choose one of the three starting points to connect with lenders and explore various USDA loan programs.

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Explaining the USDA Loan in NJ

A USDA home loan, guaranteed by the Department of Agriculture, often known as a USDA rural development or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, a USDA mortgage does not require any down payment, making it an attractive option.

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(309) 343-1777 Lender's profile and map Reviews Gale Credit Union 631 North Henderson Street, Galesburg, IL, 61401 Gale Credit Union was chartered in 1947 to serve employees of Gale Products, a division of OutBoard Marine Corporation. The credit union served only Gale (OMC) employees and employee families until 1983. In 1983, Gale Credit Union merged with the Knox County, City of Galesburg Credit Union,
(309) 342-8161 Lender's profile and map Reviews Tompkins State Bank 1380 N. Henderson St, Galesburg, IL, 61401 Tompkins State Bank is a community bank with offices in Avon IL, Abingdon IL, Knoxville IL, and Galesburg IL. Since 1884, TSB has been providing banking services and has continued to grow over the last 125 years. At Tompkins State Bank, we are your friends and neighbors. We are A Real Community Bank.
(309) 343-7141 Lender's profile and map Reviews F&M Bank Illinois 21 E. Main St, Galesburg, IL, 61401 The charter for The Farmers and Mechanics Bank was granted on March 31, 1869. Chauncey Colton founded F&M Bank, was its largest stockholder, and served as its first president. He and his associates chose a name that related directly to the real builders of the town, those hardworking farmers and the shoemakers
(309) 526-8011 Lender's profile and map Reviews BankOrion 1114 Fourth Street, Orion, IL, 61273 We take pride in offering a variety of accounts and services to our customers. Our friendly customer service representatives and experienced lenders will help you choose the option that best fits your needs. Competitive pricing and community banking for over 128 years differentiates BankORION from the competition.
(256) 386-3000 Lender's profile and map Reviews TVA Community Credit Union 1405 South Wilson Dam Rd, Muscle Shoals, AL, 35661 TVA Community Credit Union has been defined by a renowned commitment and dedication to our members and to our community. This constant commitment is reflected in our enhanced service innovations and unequaled member service. In a financial age that has seen ever rising account fees and charges, TVACCU 's Totally Free Accounts remain a true rarity.
(256) 314-1600 Lender's profile and map Reviews First Metro Bank 406 West Avalon Avenue, Muscle Shoals, AL, 35661 First Metro Bank has planted roots in our community since 1988. We’ve helped our Neighbors raise families, open businesses, and plan for the future. It is our way of doing business that separates us from the crowd, and allows our customers to know that they are far more than just a number.
(256) 383-9204 Lender's profile and map Reviews Listerhill Credit Union 4790 East 2nd Street, Muscle Shoals, AL, 35661 "Listerhill Credit Union is a nonprofit financial cooperative improving lives in our community. In 1952, seven Reynolds Metals employees came together to combat the growing issue of predatory lending to other vulnerable plant workers. At the time, loan sharks would lend money with outrageous interest rates and sometimes never-ending terms."
(618) 566-8800 Lender's profile and map Reviews Citizens Community Bank 9 E Main St, Mascoutah, IL, 62258 Since 1992, that promise still has not been broken. We intend to keep it that way. While Citizens Community Bank continually adds new products and services to accommodate your needs, such as Internet Banking and Bill Pay, we will never take away the personal service. It is what worked for us
(618) 426-3396 Lender's profile and map Reviews First State Bank of Campbell Hill 114 West Front Street, Campbell Hill, IL, 62916 The First State Bank of Campbell Hill was chartered in December 1921. In 1971, the bank relocated to a new facility where we currently reside. Over the years, the bank has continued to grow and now has assets totaling approximately 105 million dollars. Part of this growth was due to the acquisition of the Coulterville Banking Center in October 2003
(334) 745-4711 Lender's profile and map Reviews Four Seasons Federal Credit Union 2915 Pepperell Parkway, Opelika, AL, 36801 Four Seasons Federal Credit Union is a financial institution in Lee County Alabama serving those who live, work, worship, or attend school in Lee County. We offer convenient financial services and a full array of savings, checking, and loan products to meet our member's financial needs.
(334) 209-2500 Lender's profile and map Reviews Green Street Mortgage Lenders Inc 600 Avenue A, Suite B, Opelika, AL, 36801 Green Street Mortgage Lenders, where we specialize in residential mortgages. At Green Street Mortgage Lenders, we will find a loan that fits each borrower. Unlike big banks that have "order takers" helping you with your loan, we have highly skilled loan consultants. Our consultants know what it takes to get through underwriting quickly.
(877) 846-6307 Lender's profile and map Reviews BNB & Associates, LLC 108 Columbus Parkway, Opelika, AL, 36801 BNB & Associates, LLC is your premier one stop shop real estate broker, mortgage broker and residential contractor. We service the great states of Alabama and Georgia. We list homes, sell homes, finance homes and build homes. We offer Conventional, FHA, USDA, VA, High Balance, Construction, Non-QM and Commercial Loans.