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Our FHA Mortgage Refinance Program Serving NJ and NYC Families

Since 1934 the Federal Housing Administration (FHA) Home Loan program has helped millions of families achieve their home ownership dreams. This unique home loan is an ideal solution for people who have not yet built a credit history, or who have less than ideal credit. With only a small down payment, you can be fast on your way to hanging a mailbox on your new home.

With a deep history of customer service, our New Jersey mortgage company is a premier member of an elite group of FHA-approved lenders that can offer this desirable home loan solution to NJ, NY, and CT families. Whether you’re interested in purchasing a new home, renovating a house, or simply making your current home more energy efficient, an FHA Home Loan could be the perfect solution for you.


FHA Home Loans offer more flexibility

With FHA loans, we are able to provide greater flexibility when calculating household income and payment ratios. The FHA does not lend money, but instead provides insurance to lenders like Jersey Mortgage Company in NJ, so you can obtain a mortgage to renovate or purchase your dream home in Florida, New Jersey, Pennsylvania, Connecticut or New York.

Because we are a direct lender—recognized for our leadership by the State of New Jersey Dept. of Housing and Mortgage Finance and the LendRIGHT lender excellence program - we can offer you more options and more competitive mortgage rates than other lenders. The FHA Loan specialists at our NJ and NYC mortgage company take pride in getting even the most difficult deals done. We’ll work side by side with you, walking you through the entire home loan and home buying process to ensure that you get a flexible, comfortable loan that meets your needs and lifestyle.


Most families that qualify for FHA Home Loans have the following:

  • Credit score under 700
  • Available down payment of less than 15%
  • Greater debt than most people
  • No credit at all
  • Gifted money
  • Have been on a job less than 2 years

When you’re ready to buy your home, contact Jersey Mortgage Company that has been a leader for decades. Let our FHA Home Loan expertise work for you.


Learn more about an FHA 203K Renovation Loan

  • FHA 203K Renovation Loan— If you’re renovating your existing home or considering an investment in a fixer-upper, it pays to find out more about the benefits of an FHA 203K Renovation Loan. For more information about FHA loans from our mortgage company in NJ, please see the following:
  • Home Buying Guide
  • Mortgage Payment Calculator


Call us today to get started.