USDA Vs. FHA your options comparison in Saddle-Brook, Bergen County, NJ
As of 2025, in Saddle-Brook, within Bergen county of NJ, the USDA loan cap stands at $0, whereas for a single-family home, the FHA cap is $822,375.
The Lendersa® USDA loan calculator is there to help you compare today's premier USDA and FHA rates, along with determining the necessary income, credit score, reserves, and documentation for eligibility. This advanced mortgage calculator allows comparison between USDA, FHA, Conforming, and VA loans, guiding you to select the best program for your financial scenario in .
2025 Loan Limits and Down Payment Requisites in Saddle-Brook, Bergen, NJ
Type of Loan
Loan Cap
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
USDA and FHA Loan Solutions in Saddle-Brook, NJ
Lendersa® aims to provide the optimal USDA or FHA loans swiftly and effortlessly. Choose one of three starting points to align with lenders and explore USDA loan options.
The USDA home loan, backed by the Department of Agriculture and also called the USDA rural development loan or USDA mortgage, is intended for use in rural areas only. Unlike FHA loans which require a 3.5% down payment at minimum, USDA mortgages require none.
Five Points Bank is a family-owned bank born out of a need for quality, personalized banking in the Grand Island community. Our customers will always be the priority at Five Points Bank. When it was founded in September of 1971, the Five Points Bank claimed the first bank charter in the area in May of 1971.
We got our start as a small business, a small bank in a small town, way back in 1927. Through 4 generations, we've provided banking and insurance services to the communities where we live and work. Our founder, A.C. Brown, always said, “Take care of the customer.” It’s a promise we intend to stick to. and our mission We believe in the commitment to
First United Bank, the seeds of our business were planted more than 125 years ago in the rich, black soil of North Dakota farms. It doesn’t matter how you do business with us; if you are involved with First United Bank, you are involved with agriculture. That’s because our bank is still true to its roots.
Cypress Bank officially began operation October 3, 1977. Beginning with capital of $500, 000 and three full time employees. We now post assets of $200, 000, 000 and capital of $21, 500, 000 and employ 75 employees at our five locations. Our growth is reflective of the growth and prosperity of the Northeast Texas region.
Impact Bank was created by the April 2, 2012 merger of Caldwell State Bank and First National Bank in Wellington. Both financial institutions were healthy, long-standing community banks serving local families and businesses for generations. Caldwell State Bank was founded in 1928 and First National Bank in Wellington began in 1879.
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The Guaranty State Bank & Trust Company had its beginnings during the days following the First World War. During the war times bank charters were easy to come by, and two new banks started business in Beloit. The result was five banks competing for business. We have five locations, Beloit, Jewell, Burr Oak, Esbon, & Smith Center.
As the First National Bank of Beloit, we opened our doors for business on July 29, 1884, at the corner of Main and Mill. Five generations of service later, we are now chartered as a state bank under our new name, First Bank of Beloit. Although our “official” charter date is now August 5, 2019,
A credit union is defined as "a cooperative association organized to promote thrift among its members and accumulate a fund from these savings to make needed loans to members for useful purposes at reasonable interest rates." This was the theory that started Farmway Credit Union back in 1950 and still holds true today.
