Mortgage Broker in NJ: FHA Loan and Home Loan Options in New Jersey
MortgageCS is a licensed New Jersey residential mortgage broker. The office is across the river at 418 Merion Dr, Newtown, PA 18940, near Mercer County. We shop loan options from multiple wholesale mortgage companies and arrange your loan. Real people answer. If you searched for a mortgage broker nj shoppers can call, or an fha loan nj counties treat differently, start here. This page does not post a rate.
How working with a New Jersey mortgage broker works
We compare options, explain Loan Estimates, and keep the file moving through settlement with the lender and title company. We do not make loan commitments or fund loans. The lender underwrites, decides, locks, closes and funds. A mortgage broker and a lender do different jobs: the lender funds the loan.
FHA loans in New Jersey
FHA can suit buyers who need more flexible credit guidelines. FHA loans use mortgage insurance. This page does not state a down payment amount or percentage.
New Jersey FHA limits vary by county
For 2026, the FHA one-unit limit in Burlington and Camden is $630,200. That figure was checked against HUD's 2026 list. Limits in other counties, including the higher northern New Jersey counties, are on loan limits and the FHA loans page. Use those pages for your county rather than a single statewide number. Conventional loans are the comparison we shop next to FHA.
Other loan options we can shop for you
We can also shop VA loans, jumbo loans in high-cost counties, and refinancing. The lender still underwrites, decides, locks, closes and funds.
New Jersey loan limits for 2026
The 2026 conforming baseline is $832,750. Twelve northern and central New Jersey counties are $1,209,750. Both figures are on loan limits and in the FHFA conforming loan limit data. 2027 figures usually come out in late November.
First-time buyers in New Jersey
NJHMFA programs run through NJHMFA's participating mortgage companies. MortgageCS is a mortgage broker and isn't on that list, so this is information, not an offer. We can put a standard option we shop next to an NJHMFA quote. Read the first time home buyer NJ guide. NJHMFA describes the programs at nj.gov.
What moves New Jersey mortgage rates
Credit, loan type, points and credits, property type, and lock timing all move the price. This section has no figures. New Jersey mortgage rates explained is the longer piece. Rate monitoring can watch a scenario for you.
New Jersey closing costs to plan for
Buyers should plan for the Realty Transfer Fee and, on higher-priced homes, the mansion tax. This page does not restate the dollar tiers. The New Jersey Division of Taxation publishes them. Our closing costs page covers the pieces that show up on a Loan Estimate.
City pages already up include Trenton, Hamilton Square, Princeton, Cherry Hill Mall, Jersey City, and Newark. The Pennsylvania hub covers the other side of the river. The team, licensing, and testimonials pages are the company-wide ones.
Licensed via NMLS ID # 1464766. No separate state license number.
Cities We Serve
Atlantic County
Bergen County
Burlington County
Camden County
Cape May County
Gloucester County
Mercer County
Middlesex County
Morris County
Somerset County
Sussex County
Warren County
Talk to a real person who shops New Jersey loan options for you. Tell us what you're buying or refinancing. We'll compare options side by side, explain NJ-specific costs, and tell you plainly if an NJHMFA program might fit better.
A real person replies, usually the same business day.
MortgageCS is a mortgage broker and does not make credit decisions. Each loan is subject to the lender's underwriting guidelines, property eligibility and borrower qualification, and not all applicants will qualify. Loan terms and availability are set by the lender and may change.
Rates For Us, LLC d/b/a MortgageCS, 418 Merion Dr, Newtown, PA 18940 · (215) 987-2602 · NMLS ID # 1464766 (www.nmlsconsumeraccess.org). New Jersey Residential Mortgage Broker License. Licensed by the N.J. Department of Banking and Insurance. MortgageCS is a mortgage broker: it arranges loans with third-party providers and does not make any mortgage loan commitments or fund any mortgage loans. Equal Housing Opportunity.
Frequently asked questions
Is MortgageCS a licensed mortgage broker in NJ?
Yes. Rates For Us, LLC d/b/a MortgageCS holds a New Jersey Residential Mortgage Broker License from the New Jersey Department of Banking and Insurance. Our company NMLS ID is 1464766, which you can look up at www.nmlsconsumeraccess.org. As a mortgage broker, we compare options from multiple wholesale mortgage companies and arrange your loan with a third-party provider; we do not make loans.
Can a mortgage broker help me with an FHA loan in NJ?
Yes. FHA loans are insured by the Federal Housing Administration and made by private mortgage companies. We compare FHA options from the wholesale mortgage companies we work with, set them beside conventional and VA options where they fit, and explain the trade-offs, including FHA mortgage insurance. The lender, not MortgageCS, decides whether you qualify and on what terms; not all borrowers qualify.
What are the 2026 FHA loan limits in New Jersey?
For a one-unit home in 2026, HUD's FHA limit is $630,200 in Burlington, Camden, Gloucester and Salem counties and $730,250 in Atlantic and Cape May counties. Every other New Jersey county is at either HUD's 2026 floor of $541,287 or its high-cost ceiling of $1,249,125. Limits are set by county and change each year, so check your county with HUD's loan limit lookup or ask us.
Can I use NJHMFA down payment assistance through MortgageCS?
No. NJHMFA pairs its down payment assistance with an NJHMFA first mortgage made through its participating network, and MortgageCS is not part of it. Our New Jersey first-time buyer guide explains how the programs work. If you get a program quote, we can set it beside the options we compare for you so you can see which fits.
Why don't you list New Jersey mortgage rates on this page?
Because New Jersey mortgage rates depend on your scenario: your credit, the loan type, the property, how you will use it and any points or credits you choose. A rate posted without those details wouldn't tell you what you would be offered. A licensed loan officer can compare options for your situation, or we can watch rates for you through our rate monitoring service. A real person replies, usually the same business day.
Which New Jersey areas do you serve?
Our New Jersey page lists towns in 19 counties, from Camden, Burlington and Mercer to Bergen, Essex and Hudson. We work with New Jersey clients by phone and video, and you're welcome to meet us in person at our office at 418 Merion Dr, Newtown, PA, in Bucks County, across the Delaware River from Mercer County.
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