USDA Loan Vs. FHA loan pro & con Seaside-Heights, Ocean County, NJ

As of 2025, the USDA loan limit in Seaside-Heights, within Ocean county, NJ, is $657,900. By contrast, the FHA loan limit for a single-family home stands at $822,375.

Leverage the Lendersa® USDA loan calculator to contrast today's USDA and FHA rates. Determine the requisite income, credit, reserves, and document support needed to qualify. Using our advanced mortgage calculator, compare USDA, FHA, Conforming, and VA options side by side, aiding in the choice of the best program for your financial scenario in .

Options for USDA and FHA Loans in Seaside-Heights, NJ

At Lendersa®, we aim to seamlessly connect you with the finest USDA or FHA loan options quickly. Make a selection from one of the three starting methods that link you with lenders and USDA loan programs.

Results of Lendersa USDA loan request and lender matches

Understanding USDA Loans in NJ?

The USDA home loan, which is backed by the government's Department of Agriculture, is often referred to as the USDA rural development loan or mortgage. Available exclusively in rural areas, it requires no down payment, unlike FHA loans, mandating a minimum of 3.5% down.

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(609) 665-0927 Lender's profile and map Reviews Moving forward in lifestyle 220 University Ave, Pemberton, NJ, 08068 Moving forward Our process and program offers an easy and efficient way to help clients dispute negative items on their credit reports, build new accounts, and regain control of their futures and also Seasoned investors or new investors we can help you get the funds you need for investing.
(888) 616-9885 Lender's profile and map Reviews Greenway Mortgage Funding Corp 107 Tindall Rd, Suite 14, Middletown, NJ, 07748 Greenway Mortgage is committed to transparency and open communications with its clients. We pride ourselves on speed, efficiency and providing a first-rate experience. Our loan officers are experienced, trusted professionals that are accessible and remain engaged throughout the loan process.
(732) 591-8700 Lender's profile and map Reviews Amboy Bank 3590 US Highway 9 South, Old Bridge, NJ, 08857 Amboy Bank is a community bank offering banking services for individuals and businesses in New Jersey for over 130 years. Amboy's branch offices provide checking, savings, mortgages, home equity and business loans among many other high quality services. Amboy continues to be recognized as the Best Bank in Central New Jersey more than 20 years.
(732) 970-9210 Lender's profile and map Reviews New Jersey Home Funding 1405 Route 18 South, Old Bridge, NJ, 08857 Established in 1990 New Jersey Home Funding Group llc is one of New Jersey's longest standing independent mortgage lender. For 27 years and billions of dollars of residential mortgages originated over that time there has never been 1 single consumer complaint upheld by any regulatory agency. A record we are proud of!
(800) 446-4493 Lender's profile and map Reviews Preferred Funding Services, Inc. 25 Homestead Drive, Suite F, Columbus, NJ, 08022 At Preferred Funding Services, Inc., we treat each customer as an individual, not a number. We don’t place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.
(732) 747-7800 Lender's profile and map Reviews K Hovnanian American Mortgage 90 Matawan Rd, Matawan, NJ, 07747 Hovnanian Enterprises, Inc., founded in 1959 by Kevork S. Hovnanian, is headquartered in Red Bank, New Jersey. The Company is one of the nation’s largest homebuilders with operations in Arizona, California, Delaware, Florida, Georgia, Illinois, Maryland, New Jersey, Ohio, Pennsylvania, South Carolina, Texas, Virginia, etc..
(609) 585-4334 Lender's profile and map Reviews Postal Employees Credit Union 4248 South Broad Street, Trenton, NJ, 08620 The Postal Employees’ Credit Union was established in 1928 as a state chartered credit union to serve the financial needs of federal employees. Our members are our owners, of which we have approximately 2, 400. The membership is represented by seven currently employed postal employees who direct the operation of the credit union for the benefit.
(732) 497-0206 Lender's profile and map Reviews Mortgage Plus Inc 62 State Route 36 South, 2nd Floor, Keyport, NJ, 07735 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.
(732) 275-1600 Lender's profile and map Reviews FIRST LENDERS MORTGAGE 29B W. Front Street, Keyport, NJ, 7735 As mortgage professionals, we strive to provide outstanding service as well as a variety of mortgage options and borrowing solutions for our clients at the best price.Since opening First Lenders Mortgage, we have grown from 1 owner, one office, and a few reps to 10 team members with diverse backgrounds and experience.
(609) 528-4400 Lender's profile and map Reviews First Bank NJ 2465 Kuser Road, Suite 101, Hamilton, NJ, 08690 First Bank is all about returning to banking basics. As a locally-owned and operated community bank, we pride ourselves on great customer service that is highly personalized, efficient and responsive to local needs. On April 23, 2007, First Bank commenced operations at its office at 1229 South Black Horse Pike in Williamstown, NJ.
(609) 586-6669 Lender's profile and map Reviews Mercer County NJ Teachers' Federal Credit Union 2271 Highway 33, Suite 108, Trenton, NJ, 08690 Mercer County NJ Teachers’ Federal Credit Union (MCNJTFCU) is a member-owned, not-for-profit financial cooperative dedicated to providing quality financial products and services and delivering them professionally and courteously. Unlike other financial institutions that need to generate profits to satisfy stockholders.
215 392 0300 Lender's profile and map Reviews Creative Hard Money, LLC 508 Whitehorse Mercerville Rd., Trenton, NJ, 08610 Creative Hard Money LLC is a trusted hard money rehab loan lender in New York and Pennsylvania. We aim to serve our customers and our clients and help them in dealing with their concerns on business, commercial land mortgages and hard money rehab loans; a lender with the best and most knowledgeable people to serve your mortgage and financing needs.