USDA Loan Vs. FHA loan pro & con Rutherford, Bergen County, NJ

In the year 2025, the USDA loan limit for a single-family residence in the city of Rutherford, within Bergen county, NJ, is set at $0. On the other hand, the FHA loan limit for similar properties is $1,089,300.

For the best financial decisions, utilize the Lendersa® USDA loan calculator. This tool allows you to compare the best USDA and FHA rates available today, helping you understand the income, credit, reserves, and documentation needed to qualify. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the right program in that fits your financial circumstances perfectly.

Exploring Loan Options: USDA and FHA in Rutherford, NJ

The aim of Lendersa® is to provide you with the most suitable USDA or FHA loan options promptly and effortlessly. Start by choosing one of three paths to connect with matching lenders and USDA loan programs.

Lendersa USDA Loan Request Matching Results

Understanding USDA Loans in NJ

The USDA home loan, guaranteed by the United States Department of Agriculture (USDA), also known as a USDA rural development loan or USDA mortgage, is specifically intended for rural areas. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgages require no down payment at all.

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(248) 202-6911 Lender's profile and map Reviews Opportunity Home Lending LLC 2591 Overbrook, Highland, MI, 48357 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.
(910) 264-2446 Lender's profile and map Reviews Gateway Funding, Inc. 338 Shipyard Blvd, Wilmington, NC, 28412 Gateway Funding, Inc. is a NC based family owned and operated specializing in commercial lending with a wide range of products in 45 states. We give a free consultation in order to determine the goals of the client and assess their financial situation. (Including refinancing) Gateway Funding, Inc.
(910) 617-3793 Lender's profile and map Reviews Seaside Mortgage 5653 Carolina Beach Rd, Suite D2, Wilmington, NC, 28412 We specialize in residential mortgages and offer conventional, FHA, USDA, and VA loans. We take pride in treating each customer as a family member! Our dedication to customer service is the foundation of our business. With many years experience, it’s the reason so many of my clients finance with Seaside Mortgage.
(704) 932-3162 Lender's profile and map Reviews Holiday Finance 1410 Dale Earnhardt Blvd, Kannapolis, NC, 28083 Holiday Finance is locally owned and operated. Since 1980 we have been serving our community and surrounding areas with Personal Loans and Auto Financing. We take great pride in using this knowledge to help you, our customer, with your financial needs and making sure your loan is the right loan for you.
(989) 269-8077 Lender's profile and map Reviews Northstar Bank 1100 East Caro Road, Caro, MI, 48723 Northstar Bank is a locally owned and operated bank and proud to be a top-producing lender by Independent Banker®! Let Northstar Bank, one of the most responsive, relationship-based banks in Michigan, partner with you. Our commitment to superior service and local decision making will ensure an excellent banking venture for you.
(704) 873-6400 Lender's profile and map Reviews Piedmont Credit Union 1913 W Front Street, Statesville, NC, 28677 Piedmont Credit Union is a state chartered, federally insured community credit union, serving members in Iredell County since 1981. Membership in Piedmont Credit Union requires the completion of an account card, 2 forms of identification you must live or work in Iredell county or be an immediate family member of a current member
(937) 653-1600 Lender's profile and map Reviews The Peoples Savings Bank 10 Monument Square, Urbana, OH, 43078 In 1892, the Peoples Savings Bank was granted a charter by the State of Ohio to open for business in Urbana, Ohio. Realizing the importance of the Champaign County community they would serve, it was thus very logical to choose the name: The PEOPLES Savings and Loan Company. In 1993, Peoples changed from a state-chartered savings
(904) 382-9746 Lender's profile and map Reviews Affordable Mortgage Partners PC 7461 Steeplechase Dr., Saline, MI, 48176 Our journey began late in 2012, with the principles of honesty, integrity, and transparency cemented in our company mission. Our client focused approach allows our team to provide tailored financing solutions to your unique situation. We remain highly competitive in the marketplace by offering our clients guaranteed rates at wholesale pricing.
(419) 358-8040 Lender's profile and map Reviews Citizens National Bank. 102 S. Main Street, Bluffton, OH, 45817 Citizens National Bank (CNB) is a commercial bank with physical locations in Bluffton, Celina, Defiance, Elida, Findlay, Lima, Springfield, Toledo and Van Wert, Ohio. Focused on small business, we work closely with our customers to develop individualized financing plans and a variety of treasury management services.
(517) 486-2151 Lender's profile and map Reviews Blissfield State Bank 204 East Jefferson, Blissfield, MI, 49228 Our Mission is to remain an independent community financial institution by enhancing the shareholders value, actively supporting the citizens of our community with quality products and services, and providing a meaningful work environment for our employees. This private bank was formed by Arthur D. Gilmore, a recent graduate (1870).
(810) 715-3542 Lender's profile and map Reviews ELGA Credit Union 2305 S. Center Rd., Burton, MI, 48519 We are a not-for-profit cooperative; formed, owned and operated for a single purpose: members helping members. We have a proud tradition of service to our members since 1951. ELGA Credit Union had a humble beginning, helping Consumers Energy employees that were paid below the average of other industrial workers in the 1940’s and 50’s.
(207) 834-6167 Lender's profile and map Reviews Acadia Federal Credit Union 9 East Main Street, Fort Kent, ME, 04743 We love helping our members succeed financially. Acadia Federal Credit Union is an innovative, member-owned institution that's been investing in local communities since 1963. Acadia Federal Credit Union – Providing quality services, maintaining financial stability, and investing in our local communities.