USDA Loan Vs. FHA loan for Scotch-Plains, NJ 2025

In the year 2025, the USDA loan ceiling in Scotch-Plains, within the county of Union, NJ, is established at $0. In contrast, the FHA limit is marked at $822,375 specifically for single-family homes.

Employ the Lendersa® USDA loan calculator to juxtapose today's USDA rates against FHA's leading offers and ascertain the necessary income, credit score, reserves, and documentation prerequisites for qualification. Our advanced mortgage calculator displays a side-by-side comparison of USDA, FHA, Conforming, and VA options, guiding you to identify the most fitting program in for your financial requirements.

Exploring USDA and FHA Loan Opportunities in Scotch-Plains, NJ

Lendersa® is committed to swiftly and effortlessly securing you the top USDA or FHA loans available. Choose from three distinct starting points to connect with matching lenders and USDA loan programs tailored to your needs.

Lendersa USDA loan request and matching outcomes

Defining a USDA Loan in NJ

A USDA home loan, backed by the government Department of Agriculture (commonly known as a USDA rural development loan or USDA mortgage), is targeted towards rural communities. Unlike FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans offer the distinct advantage of requiring no down payment at all.

Get top 10
USDA LENDERS
customized to yout needes

(740) 865-3483 Lender's profile and map Reviews The Peoples Savings Bank 710 Second Street, New Matamoras, OH, 45767 Since 1911, The Peoples Savings Bank has been serving eastern Washington County, OH with a wide array of banking services. Chartered in 1911 as a commercial bank, The Peoples Savings Bank has flourished as a locally owned, independent community bank with strong ties to its heritage.
(330) 285-5043 Lender's profile and map Reviews Transformation Home Loans LLC 333 Jade Blvd, Streetsboro, OH, 44241 CJ Simpson is the President of Transformation Home Loans, LLC. As a mortgage broker, Transformation Home Loans will help you find a mortgage with both great rates and service, with one point of contact, clear communication and a streamlined process.broker, Transformation Home Loans will help you find a mortgage with both
(330) 452-9801 Lender's profile and map Reviews CSE Federal Credit Union 1380 Market Ave N, Canton, OH, 44714 (CSE) Federal Credit Union is a member-owned financial cooperative committed to providing easy and effective financial solutions for the Stark County community through service and education. Our goal is to make banking easy for you and your family. CSE Federal Credit Union is committed to helping all people within our community achieve
(540) 966-3100 Lender's profile and map Reviews Colonial Mortgage Company, LLC 23 S. Roanoke St., Fincastle, VA, 24090 We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
(303) 954-9112 Lender's profile and map Reviews Blue Loans LLC 323 East Garfield Road, Suite 10, Aurora, OH, 44202 Blue Loans is committed to providing you outstanding customer service. We know getting a mortgage is very important to you, and we are here to help you every step of the way Whether you are buying a home or refinancing, we are here for you. We are dedicated to serving the Northeast Ohio area. This is our home, and we are eager to help.
(800) 242-2265 Lender's profile and map Reviews Dollar Bank PO Box 8469, Canton, OH, 44711 Founded in 1855, Dollar Bank is, well, different. We’re an independent community bank. That means no publicly traded stock and no shareholders. And that means we can focus on what we do best: empowering the people and communities we serve to do the things they hold dearest. Over more than 165 years, we’ve grown to become a large
(330) 936-2312 Lender's profile and map Reviews The Stoffer Mortgage Company Inc 100 30th St Nw, Suite 106, Canton, OH, 44709 Stoffer Mortgage is a mortgage services company based in Canton, Ohio. We offer conventional, FHA, USDA, jumbo, and VA mortgages for residential transactions to purchase or refinance one to four-unit dwellings. These properties can be utilized for owner occupancy, vacation/second homes, or investment.
(330) 454-5320 Lender's profile and map Reviews PIONEER FINANCIAL SERVICES, INC 2515 Cleveland Ave N, Canton, OH, 44709 Pioneer Financial Services Inc. is a locally owned and operated company serving all of Ohio. Founded in 2000, we were built on honesty, integrity, and personal service. We offer a wide variety of loan programs with fast and efficient service. Our knowledgeable staff has over 50 combined years of experience originating mortgage loans.
(304) 665-1127 Lender's profile and map Reviews Willow Island Credit Union 7910 S Pleasants Highway, Saint Marys, WV, 26170 Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.
(440) 266-2200 Lender's profile and map Reviews Cardinal Credit Union 8500 Westport Drive, Mentor, OH, 44060 Cardinal is proud to announce their 5-star rating, recently awarded by Bauer Financial. Bauer Financial is a financial rating agency who provides depositor-focused ratings of banks and credit unions in the United States. The Company’s rating scale runs from zero to five, the strongest institutions being granted 5-star ratings.
(440) 585-5626 Lender's profile and map Reviews Union Capital Mortgage 7676 Reynolds Road, Mentor, OH, 44060 At Union Capital, home loans are all we do. Since 1995, we have worked to become a trusted lending partner to countless realtors and customers. Realtors depend on us to help their buyers get into the ideal home. Customers we serve return to us again and again – we have gotten to know thousands of them personally over the past 20 years.