FHA Vs. USDA loan program for Long-Beach, Ocean County, New Jersey

In 2025, the USDA loan ceiling in Long-Beach, within Ocean county, NJ, stands at $657,900, whereas the FHA threshold for a single-family home is $822,375.

Utilize the Lendersa® USDA loan tool to compare today's ideal USDA versus FHA rates and to ascertain necessary income, credit standing, reserves, and required documentation for eligibility. Our cutting-edge mortgage calculator allows you to view USDA, FHA, Conforming, and VA loans side by side, guiding which program most favorably suits your financial circumstances in .

Options for USDA and FHA Loans in Long-Beach, NJ

The objective of Lendersa® is to promptly and effortlessly secure for you the most advantageous USDA or FHA loan. Choose from three initial pathways that culminate in matching you with lenders and USDA loan solutions.

Lendersa USDA loan request and matching results

Defining USDA Loans in NJ

A USDA home loan, sanctioned by the U.S. Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. In contrast to FHA loans, which require a minimum 3.5% down payment, USDA loans do not demand any down payment.

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561.272.8980 Lender's profile and map Reviews Supreme Lending - Mortgage Lenders Delray Beach FL – Refinancing & VA home loan 110 SE 4th Ave, Ste. 102, Delray Beach, FL, 33483 Supreme Lending, one of the most respected Mortgage Bankers, was established in 1999 by Scott Everett. Having an extensive business and mortgage background, Mr. Everett has secured the respect of mortgage professionals and is committed to attracting not only the most professional loan officers but also the most cutting edge loan products.
561-266-2621 Lender's profile and map Reviews Liberty Mortgage Lending 393 NE 5th Ave, Delray Beach, FL, 33483 Liberty Mortgage Lending opened its doors in 2001 with a mission to provide our clients with the best service in the mortgage industry. This mission, along with continued loyalty to our client’s financial security, has seen us through the highs and lows of the real estate market, making many of our first-time borrowers happy to return.
(507) 289-9000 Lender's profile and map Reviews Foresight Bank 138 West Broadway, Plainview, MN, 55964 Foresight Bank is a unique community bank because we listen to our customers and we focus on environmental sustainability. We recognize every customer is different and we need to listen so we can understand how we can help. We don’t have a cookie-cutter approach that we apply to all of our customers,
(507) 534-3137 Lender's profile and map Reviews Peoples State Bank 100 4th Ave SE, Suite 6, Plainview, MN, 55964 Since 1925, Peoples State Bank has been proud to serve the banking needs of our community. The original owner, William R Zabel, solidified his vision with the very first PSB branch in Plainview, MN. Since those early days, PSB has expanded to include branches in Altura and Elgin, MN, as well as Boyceville and Menomonie, WI.
(319) 273-2479 Lender's profile and map Reviews UNITE Credit Union 802 West 29th Street, Cedar Falls, IA, 50613 UNITE Credit Union provides financial services to employees, students, alumni and families of the University of Northern Iowa and Cedar Falls Community School District. Members also include employees, retirees and families of MidAmerican Energy, Greco Financial and Nagle Signs. UNITE is federally insured by the National Credit Union Association.
(319) 266-7531 Lender's profile and map Reviews Cedar Falls Community Credit Union 123 W 4th Street, Cedar Falls, IA, 50613 CFCCU was originally chartered in 1958 as a member-owned financial co-operative serving the needs of a local machinists union. Membership was extended to other groups of employees over the years until in 1982, CFCCU received a community charter. Our current field of membership includes individuals who live or work in 7 Iowa counties.
(561) 270-0064 Lender's profile and map Reviews Ambassador Mortgage 301 West Atlantic Avenue, Suite 0-5, Delray Beach, FL, 33444 At Ambassador Financial Services Inc. We are a full-service mortgage company based in Delray Beach, Florida. We specialize in First time home buyer, FHA and Jumbo Loans in Delray Beach. We also serve the surrounding cities in Palm Beach County. Whether you are buying a home or refinancing in zip code 33444
(850) 343-0400 Lender's profile and map Reviews Trident Home Loans 517 N. Baylen Street, Pensacola, FL, 32501 At Trident, we guarantee our clients less stress, & more options.Impeccable customer service is the name of our game.Our number one goal is to establish a trusting relationship with our clients.We work directly with borrowers to help them finance their dream homes.Buying a house can be a daunting and intimidating process, but it doesn't have to be!
(850) 432-9939 Lender's profile and map Reviews My Pensacola Credit Union 108 South Reus Street, Pensacola, FL, 32502 My Pensacola CU is a not-for-profit financial institution run for the benefits of "you" — our members. Credit Unions are member owned cooperatives. The earnings of your credit union, after expenses and reserves, are returned to the member-owners in the form of higher dividends, low cost loans and services.
(850) 434-2211 Lender's profile and map Reviews Members First Credit Union 251 West Garden Street, Building I, Pensacola, FL, 32502 Members First Credit Union of Florida Credit Union has been open since 1954 and alsoMember’s First Credit Union As a member of MembersFirst Credit Union of Florida, you are an owner of your financial institution, not just a customer. Credit Unions were established with people like you in mind-people who work for a living, save and borrow.
(850) 725-6500 Lender's profile and map Reviews COASTAL FUNDING CORPORATION 216 South Palafox Street, Pensacola, FL, 32502 "Coastal Funding is a local Mortgage Broker dedicated to serving South Carolina & Florida by offering the best mortgage loan products in the industry. Our passion is and always will be helping our clients achieve their financial goals and dreams of home ownership. We provide more loan options and solutions to our clients than anyone else.
850.420.3458 Lender's profile and map Reviews NOLA Lending Group 25 West Cedar Street Suite 500, Pensacola, FL, 32502 At NOLA Lending our mission is to provide unprecedented client service and superior quality lending practices with uncompromising integrity to all of our customers. We are committed to using the newest technology, always increasing our knowledge of the loan industry and continuously searching for new loan products for all of our clients.