USDA and FHA Pro and Con in West-Caldwell, Essex County, NJ
In the year 2025, the USDA loan limit in West-Caldwell, within the county of Essex, NJ, is defined at $0, whereas the FHA loan limit for a single-family residence is set at $822,375.
To explore and compare the optimal rates of USDA vs. FHA today, utilize the Lendersa® USDA loan calculator. This helpful tool evaluates the necessary income, credit, reserves, and documents required for qualification. Our state-of-the-art mortgage calculator lays out USDA, FHA, Conforming, and VA options side by side, aiding in your decision of which program in suits your specific financial needs.
Loan ceilings and down payment requirements in West-Caldwell, within Essex, NJ for 2025
Type of Loan
Maximum Loan Limit
Down Payment
USDA
$0
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA loan options in West-Caldwell, NJ
The aim of Lendersa® is to promptly provide you with the finest USDA or FHA loan, minimizing hassle. Choose from one of three beginning points that align with lenders and USDA loan programs to meet your needs.
A USDA home loan, which is endorsed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage. These are exclusive to rural locations. Unlike FHA loans, which need at least a 3.5% down payment, USDA loans require zero down payment.
USDA loans serve as a valuable financial resource for individuals residing in rural areas. Designed without the burden of an upfront down payment, they provide an enticing alternative to other loan types, making homeownership more accessible.
438 E Wilson Bridge Rd, Suite 105, Worthington, OH, 43085
Liberty Capital Services after graduating from Ohio State University with degrees in finance. As financial planners, we could have remained in the traditional private banking industry, but we decided to embark on a new venture to create a mortgage consulting service like no other.
150 E Wilson Bridge Rd, Suite 350, Columbus, OH, 43085
Priority Mortgage proudly serves our borrowers out of our office in Worthington, Ohio. Founded in 1984 and under the direction of the original owner, Priority Mortgage enjoys an unprecedented reputation in the real estate and financial communities. Over 85% of our borrowers are either repeat customers or have been referred by someone.
Wall Street Lending (NMLS # 175675) was formed in 2008 as a Michigan based mortgage broker offering an array of products to solve our client’s mortgage problems.
As an organization employed with individuals having over 50 years of combined mortgage experience, mortgage scenarios of all sorts are financed daily.
42633 Garfield Rd, Suite 315, Clinton Township, MI, 48038
John started Sock Mortgage in July of 2020. He began Sock Mortgage with a mission to change the mortgage experience for his borrowers. With over 10 years of mortgage experience on both the wholesale and retail side, John has had the opportunity to see the good and bad of the mortgage industry.
At BrightSide Lending you can expect a smooth easy process whether you are purchasing a new home or refinancing an existing one. We offer a wide variety of programs even if your credit is less than perfect. Give us a call and discover the brighter side of lending. Jeff Kaltz is the president.
43260 Garfield, Suite 250, Clinton Township, MI, 48038
"Victory Home Loans is a wholesale brokerage that was established in December of
2000. Scott Van Sickle is the broker & brings over 15 years of combined
mortgage & real estate experience to the table.Being a wholesale broker gives us
the unique advantage of giving superior service while at the same time delivering
very competitive rates and
Nowland Mortgage is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering you the latest in financial tools.
Cranbrook Loans is a retail residential mortgage corporation with significant executive experience. We have a stellar reputation with industry leading consumer protections. We offer direct lending options as well as the ability to broker loans when necessary. This enables us to make sure we’re always competitive with a one stop shop product line.
Live Life Federal Credit Union has been proudly servicing our members’ financial needs since 1952. It began when The UAW Local 247 of Thompson Products organized Thompson Product Employee’s Federal Credit Union under Charter #7927.
In 1958, the plant changed names from Thompson Products Michigan Division to Thompson Ramo Woolridge Incorporation.
