USDA Loan Vs. FHA loan pro & con for Lawrence, Mercer County, NJ

In 2025, USDA loan limit in Lawrence, county of Mercer, NJ is $336,500 while FHA limit is $472,030 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 Lawrence, 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.

(925) 855-8181 2515 miles Lender's profile and map Reviews Mutual Funding Group 1539 Geary Road, Suite H, Walnut Creek, CA, 94597 We pride ourselves on exceeding our customer's expectations in finding the best rates, service, and options for a home loan that's right for you. Whether you want the lowest rate possible, a large amount of guidance, or a more complex financing package, we realize you are unique and we'll work with you to form a loan that is exclusively for you.
(925) 938-8555 2515 miles Lender's profile and map Reviews Wallstreet Mortgage Company 38 Kuhl Court, Walnut Creek, CA, 94597 Wallstreet Mortgage Company offer the best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available, together with the assistance of an experienced, "live" loan officer to guide you through the often difficult and confusing process.
(800) 891-2778 2515 miles Lender's profile and map Reviews Apoyo Financiero 3100 Oak Road, Suite 210, Walnut Creek, CA, 94597 Apoyo Financiero, is a fast-paced and rapid-growth small loans company serving under-banked communities. We have served over 30,000 clients and funded over $300 million in loans. With over thirty offices and more than 210 employees, our goal is to improve the lives of our clients, employees and communities we serve.
(408) 532-1278 2515 miles Lender's profile and map Reviews Pacificwide Real Estate & Mortgage 3005 Silver Creek Road, Suite 214, San Jose, CA, 95121 Pacificwide was created in February 2009 by Leon Le & Stanley Lieu, two successful senior engineers in Silicon Valley. We started with a few agents who had a strong passion for real estate & mortgage, and today Pacificwide has grown into a business with nearly 80 elite agents. We provide outstanding client counseling, education etc.
(760) 277-2233 2515 miles Lender's profile and map Reviews iHome Financial Inc. 20667 Crow Creek Road, Castro Valley, CA, 94552 iHome Financial combines decades of mortgage lending experience within our team. It is this experience that allows us to process all forms of mortgage transactions. This includes, residential purchases, refinances, investment properties, renovation loans and more and We understand that you’re looking for the lowest rates.
(510) 833-8802 2515 miles Lender's profile and map Reviews RateKing 39830 San Moreno Ct, Fremont, CA, 94539 We pride ourselves in offering the lowest interest rate, lowest mortgage refinancing rates in California, great communication and seamless underwriting process. Your satisfaction is our TOP priority! We offer a variety of mortgage products at absolutely rock bottom rate with no closing cost for refinances.
(510) 828-4988 2515 miles Lender's profile and map Reviews Calloan123 39500 Stevenson Place, Suite 109, Fremont, CA, 94539 "Owning a home is everyone's dream and an indicator of one's achievement and stability. Despite the high prices of homes in the Bay Area, the housing market continues to grow. Not only does a home provided tax shelter but it's also a terrific investment vehicle I can help you to secure the right loan for your individual situation"
(510) 579-8992 2515 miles Lender's profile and map Reviews Abacus Financial Services 939 Corporate Way, Fremont, CA, 94539 Abacus Financial Services full service mortgage lender. We serve all sectors of the mortgage market. No matter if you purchasing a new home, re-financing with additional cash return, no cash return or no job right now, for home or for investment properties, for fixed or adjustable rates.
(510) 795-2200 2515 miles Lender's profile and map Reviews Home Advantage Corporation 702 Brown Road, Suite 200, Fremont, CA, 94539 Home Advantage Corp as a real estate office and expanded business to include a loan brokerage and development business. The Real Estate and loan brokerage have been successfully grown and have established name recognition in their niche market. The development business has grown from single custom home to several large multi-family home projects.
(510) 472-8939 2515 miles Lender's profile and map Reviews Axel Real Estate and Home Loans Inc. 2265 Ocaso Camino, Fremont, CA, 94539 Axel Real Estate and Home loans is a family based business run by husband and wife team. Our Profit margins are so slim that no other Agents can afford to beat. My husband Rizwan (Rizzi) Elahi has 30 years of mortgage processing and underwriting experience. He structures the hardest loan files for successful and on time close of escrow .
(510) 750-2204 2515 miles Lender's profile and map Reviews Polaris Financing 39560 Stevenson Place, Suite 119, Fremont, CA, 94539 Polaris Financing is a CA Mortgage Broker helping clients with their lending needs throughout CA. Not all lenders are the same & not all offer the same interest rates. As a broker, we can shop your loan to many lenders & get you the best rate on the market, whether you are buying your first home, refinancing your existing home.