USDA Loan Vs. FHA loan for Lincoln-Park, NJ [Morris County ]

During 2026, the USDA loan limit for Lincoln-Park, located in Morris county, NJ, is set at $657,900. Meanwhile, the FHA limit for a single-family home is established at $822,375.

Utilize the Lendersa® USDA loan calculator to contrast today’s best rates for USDA and FHA loans. This tool helps determine the qualifying income, credit score, reserves, and documentation required. Through our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, aiding in selecting the most suitable option in for your financial situation.

USDA and FHA Loan Choices in Lincoln-Park, NJ

Lendersa® aims to facilitate the acquisition of the optimal USDA or FHA loan swiftly and without undue hassle. Select from three primary starting points that align you with ideal lenders and fitting USDA loan programs.

Defining USDA Loans in NJ

The USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively for rural areas. Unlike FHA loans, which require at least 3.5% down, USDA loans necessitate no down payment.

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(678) 726-8279 Lender's profile and map Reviews American Wholesale Mortgage Inc. 367 Resource Parkway, Winder, GA, 30680 Offering Home buying/refinancing at Wholesale Rates & Costs to Residents in Georgia. We are a family serving families and American Wholesale Mortgage, Inc. is blessed to be a part of your family's story. Thank you for that honor and privilege. Our goal is to provide you the experience, knowledge and support to make sure the process is as easy
(773) 717-5757 Lender's profile and map Reviews ELCA Federal Credit Union 8765 W Higgins Road, Suite 675, Chicago, IL, 60631 The ELCA Federal Credit Union was created by the ELCA to provide additional financial services to ELCA members, employees of synods, congregations or any other ELCA-related ministry. Ecumenical partners of the ELCA are welcome to request the ELCA Federal Credit Union's services for their denomination.
(773) 774-9040 Lender's profile and map Reviews Forum Mortgage Bancorp 7221 West Touhy, Chicago, IL, 60631 Forum Mortgage Bancorp., an Illinois Residential Mortgage Licensee, specializing in residential and commercial mortgage financing. Our firm works & maintains close working relationships with over 50 reputable banking institutions. Thus, Forum Mortgage Bancorp. is able to offer an extensive range of mortgage programs at the most competitive rates.
(773) 665-8555 Lender's profile and map Reviews NorthPoint Lending Group Inc 7434 North Harlem Avenue, Chicago, IL, 60631 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(773) 792-0000 Lender's profile and map Reviews Integra Financial Group Inc 6565 North Avondale, Suite 200, Chicago, IL, 60631 Integra Financial Group is an Illinois Residential Mortgage Licensee, specializing in residential mortgages, refinance, home equity loans and more. Our mission is to continue to be committed to improving the lives of our customers by providing quality services and a competitive range of mortgage solutions through integrity and accountability.
(708) 430-5000 Lender's profile and map Reviews First Secure Bank and Trust Co. 10360 South Roberts Road, Palos Hills, IL, 60465 First Secure Bank and Trust was founded in Palos Hills, Illinois in 1977 to serve the financial needs of our friends and neighbors. We are still in the neighborhood and continuing with that mission. We are the only “true” locally owned bank in the area. We care about the community because we live here, too.
(708) 867-2565 Lender's profile and map Reviews Parkway Bank and Trust Company 4800 North Harlem Avenue, Harwood Heights, IL, 60656 Parkway Bank and Trust Co. is a locally owned and operated financial institution offering a wide array of financial products and services. Committed to growth and consistently offering the best in customer service, Parkway Bank and Trust Co. continues to be a community leader in banking.
(312) 819-8440 Lender's profile and map Reviews Lender 4 You Limited 5201 N Harlem Ave, Chicago, IL, 60656 Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise in the loan approved closing process
(941) 744-6625 Lender's profile and map Reviews Destiny Mortgage Group, Inc 5440 N. Cumberland Avenue, Suite A-102, Chicago, IL, 60656 Destiny Mortgage Group is a full service wholesale mortgage brokerage company, with several offices located across the country, and with loan originating licenses in Illinois, Maryland, Virginia, Florida, Pennsylvania, Delaware, and Washington D.C. Our main objective is to help borrowers obtain residential real estate mortgage financing.
(847) 323-3141 Lender's profile and map Reviews Educated Investors Finance Corporation 4251 Commercial Way, Glenview, IL, 60025 At Educated Investors Finance Corporation, our focus is to help you with the financing for your home or investment property. As our name suggests, we want you to make informed decisions with all options presented. We are here to answer any questions you have and will work through scenario planning ahead of time so there are no surprises.
(847) 892-7600 Lender's profile and map Reviews Prime Rate Mortgage, LLC 1247 Waukegan Rd, Suite 200, Glenview, IL, 60025 We offer the assistance you need to help in all of your mortgage endeavors. Whether you are consolidating your debt, refinancing your home, or buying your first house, we have the expertise to make it a fast, easy, and enjoyable process. Our website offers a variety of online application options.
(423) 559-1181 Lender's profile and map Reviews Smart Choice Credit Union 1075 Blythe Avenue SE, Cleveland, TN, 37311 Our mission is to offer financial services to members of our community with an emphasis on asset development and the achievement of long-term financial security. We specifically will strive to develop relationships with persons who previously have had no interaction with existing financial institutions.