USDA Vs. FHA your options comparison in Ridgewood, Bergen County, NJ
In the current year, 2025, the USDA loan limit applicable to Ridgewood, located in the county of Bergen, within the state of NJ, is $0. In contrast, for a single-family home, the FHA limit is set at $1,089,300.
Take advantage of the Lendersa® USDA loan calculator to effectively assess and compare today's premier USDA with FHA interest rates. Determining your eligibility will involve calculating required income, assessing credit levels, reserves, and identifying necessary documentation for qualification. Our state-of-the-art mortgage calculator allows you to compare the features of USDA, FHA, Conforming, and VA loans side by side, equipping you with the insights needed to make an informed decision on the best mortgage plan that suits your financial circumstances in .
Loan Limits and Down Payment Requirements for 2025 in Ridgewood, Bergen, NJ
Type of Loan
Limit of Loan
Initial Down Payment
USDA
$0
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Opportunities in Ridgewood, NJ
The primary mission of Lendersa® is to provide you with the most beneficial USDA loan or FHA options quickly and efficiently, minimizing stress throughout the process. You can choose from one of three pathways designed to match you with appropriate lenders and optimal USDA loan programs tailored to your needs.
The USDA home loan is a type of mortgage that is solely supported by the government’s Department of Agriculture, commonly referred to as the USDA rural development loan or USDA mortgage. This unique loan option is exclusively accessible within rural areas. Unlike FHA loans that strictly require a baseline down payment of 3.5%, the USDA mortgage facility does not involve any down payment obligation, making it a favorable choice for many seeking housing options in designated rural regions.
MS4 Consultants LLC takes the time to learn your business and fully understand your financial needs. The experienced and dedicated MS4 staff makes commercial lending easy and gets you connected to financial solution options that are right for your specific needs. Our consultants have a tremendous amount of experience.
At U.S. MortgageLine we feel that there are no strangers in the world, only friends that haven't met. We are a full service mortgage lender with a simple philosophy. We give special attention to each of our clients and assist them in selecting the mortgage which best suits their individual needs.
225 E. City Avenue, Suite 103, Bala Cynwyd, PA, 19004
"The Center City Mortgage & Investments website, and congratulations on taking the first step to buying or refinancing your home. I look forward to putting my expertise and mortgage services to work for you!
With Center City Mortgage & Investments. you're in good hands and can have the peace of mind knowing we offer a wide variety of loan program
Hyperion Bank is a community bank dedicated to delivering highly personal service to individuals and commercial customers throughout the greater Philadelphia region. Locally owned and operated since 2006, Hyperion Bank offers a full spectrum of banking services, including Small Business Administration (SBA) loans.
448N 10th Street, Suite 402, Philadelphia, PA, 19123
I Fund Cities is an alternative lending platform born from the desire to provide investors with reliable capital and a lending experience that’s all about speed, transparency, and partnership. Our company is doing things a little differently around here and some like to even call us the renegade in the lending industry - innovative and disruptive.
990 Spring Garden Street, Suite 602, Philadelphia, PA, 19123
A private lender specializing in bridge and permanent loans to acquire, rehab, construct and refinance real estate investment properties for rent or to flip in Philadelphia, Baltimore, Washington, DC, and Lancaster, PA and their surrounding suburbs. Spring Garden Lending now provides 30 year fixed rate financing for rental properties.
VAntage Trust Federal Credit Union has been serving its members since 1948 when it was founded by the employees of the VA Medical Center, Wilkes-Barre, Pennsylvania. We now serve over 8, 000 members. Our membership also includes members from 70 active Select Employee Groups (SEG). We are chartered by the federal government.
Cross Valley FCU was chartered by the National Credit Union Association in February 1969.Originally chartered as the Wilkes-Barre Federal Employees Federal Credit Union, its sponsor was the Data Operations Center of Social Security in Wilkes-Barre. Subsequent expansion of the Federal Charter was approved by NCUA to include Select Employee Groups.
Choice One Community Credit Union is a member-owned and operated, not-for-profit financial cooperative, chartered under federal law. We strive to provide outstanding financial products, exceptional personal service and to always maintain the safety and soundness of members’ funds.
John E Young has been in the Mortgage Industry for 18 years and Licensed by PA Department of Banking for the past 15 years. In less than 3 years as a Mortgage Originator, he was able to open his own Mortgage Company, and over 85% of his company’s business comes from referrals.John has helped many clients fix and analyze their credit reports.
Whitehall Mortgage has been providing Residential Home Mortgage Loans throughout the Commonwealth of Pennsylvania for over three decades. The father and son duo, Douglas and Dallas, use their Northeasten PA roots and knowledge to best serve this area with the best mortgage service.
At MJ Mortgage Services, LLC. We are a full-service mortgage company based in West Hartford, Connecticut. We specialize in Home Purchase Loans and Refinance in West Hartford. We also serve the surrounding cities in Hartford County. Whether you are buying a home or refinancing in the zip code 06117
