USDA Vs. FHA your options comparison in Mountain-Lakes, Morris County, NJ
In 2025, the USDA loan limit within Mountain-Lakes in the county of Morris, NJ stands at $657,900, whereas the FHA sets its limit at $822,375 for single-family homes. This distinction highlights different financing options available for potential homeowners.
By using Lendersa®'s USDA loan calculator, you can easily compare today's top USDA versus FHA rates. This tool assists in determining the necessary income, credit, reserves, and documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, guiding your selection of the most suitable program for your financial conditions in .
Loan Limits and Down Payment Requirements in Mountain-Lakes, Morris, NJ for 2025
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Options for USDA and FHA Loans in Mountain-Lakes, NJ
Lendersa® aims to quickly secure the optimal USDA or FHA loan for you, with no stress involved. Begin with one of three entry points leading to matching lenders and USDA loan programs.
The USDA home loan, guaranteed by the U.S. Department of Agriculture and commonly known as a USDA rural development loan or USDA mortgage, is specifically available in rural areas. Contrasting with FHA loans that require at least a 3.5% down payment, USDA mortgages do not demand any down payment whatsoever, providing a unique opportunity for eligible borrowers in these regions.
Pearl Hawaii Federal Credit Union (Formerly Pearl Harbor Federal Credit Union; PHFCU) is a not-for-profit, financial cooperative. PHFCU has built a solid foundation to provide affordable financial services, financial products, technical assistance, and educational resources to current members as well as to all who reside on the island of O'ahu.
94-1024 Waipio Uka St, Suite 207, Waipahu, HI, 96797
Aloha Lending Services is a locally-owned, family-run Hawaiian mortgage company. Shannon M. Taparra is the Principal Broker. We offer the best mortgage tools available on the Internet - easy, convenient, on-line shopping for the best loan programs and most current rates available,
67-292 Goodale Avenue, Suite A2, Waialua, HI, 96791
Waialua Federal Credit Union has been proudly serving the residents of the Waialua community since 1937. The Waialua Federal Credit Union started for the employees of the Waialua Sugar Cane Company and in 1992 the field of membership was changed to include the community of Waialua and Haleiwa.
91-1202 Renton Road, Suite A, Ewa Beach, HI, 96706
Ewa Federal Credit Union was chartered on February 5, 1937 by an agency of the Federal government, then the Farm Credit Administration. With $80 in shares, sixteen charter members held their first organization meeting in the sugar plantation's Administration building. Membership drives were held in the various villages which produced 308 members
Since 2007, Hawaii VA Loans has helped veterans become homeowners by utilizing their VA loan benefits. Hawaii VA Loans has two locations, one in Kapolei and another in Kailua, and our dedicated team of VA Loan Specialists are ready to work with you!
We are residential mortgage lender that specializes in helping Veterans become homeowners.
Ohana Mortgage Solutions was started with the hope of enabling local families to become homeowners. Additionally, we wanted to embody the values of aloha and ʻohana in our business. That’s why we take some of the profits from every loan and partner directly with programs helping Hawaii’s children in the foster care system.
2176 Lauwiliwili Street, Suite 1, Kapolei, HI, 96707
Living in Hawaii has a very high cost. That’s why High Five Lending wants to help you get the best loan possible for your home. We have the experience and expertise to get you affordable rates at the right place. Life is already complicated, From empty nest moving to military moves.
91-110 Hanua Street, Suite 206, Kapolei, HI, 96707
Cornerstone Mortgage opened at the start of the mortgage meltdown in 2008 which spurred the worst economic crisis in at least a generation. We started as a one person branch office of a local lender and we have grown to be one of the top producing mortgage bankers in our area. Today we have offices in California, Hawaii and Nevada.
2149 Lauwiliwili Street, Suite 200, Honolulu, HI, 96707
Mann Mortgage is a family-owned mortgage bank that emphasizes community relationships, honesty, and integrity. Since our founding in 1989 by Don Mann, that proven dedication and trust has given our branches the resources needed to help qualified borrowers in their communities fulfill the dream of home ownership
Kauai Teachers Federal Credit Union is a member-owned, non-profit financial cooperative whose members are owners and savers, as well as potential borrowers. Demonstrating the philosophy of “People Helping People”, members pool their money by purchasing shares, thus making low-cost loans
In 1947, we started a credit union for employees of the territory of Hawaii and the county of Kaua’i. Our goal was not only to provide county, state, and federal government employees & their families with basic financial needs but also to invest in and grow the quality of life on the island.
Over 70 years later we’re still committed to our goal
