New Jersey Mortgage Broker
The Mortgage Zone is a New Jersey mortgage broker headquartered in Union City (NMLS #2697124). For 2026, conforming loans run up to $832,750 in most NJ counties, and the state's New York–metro counties — including Hudson and Bergen — carry high-cost limits up to $1,249,125.
Purchase, refinance, and investment financing across New Jersey — one application, 75 wholesale lenders competing for your loan.
Lending in New Jersey
New Jersey is our home market. From our Union City office we work the full spectrum of the state's housing stock — high-rise condos on the Gold Coast, two-to-four-unit buildings in Hudson and Essex counties, and single-family homes from Bergen down to the Shore. Multi-unit and condo lending are everyday work here, not edge cases.
Northern New Jersey's proximity to Manhattan keeps prices — and loan sizes — high, which is where high-cost conforming limits and our jumbo outlets earn their keep. First-time buyers lean on FHA's 3.5% down and house-hacking strategies; investors use DSCR loans across the state's deep rental market.
- Conforming (Fannie/Freddie)
- $832,750 baseline; up to $1,249,125 in NY-metro high-cost counties (incl. Hudson, Bergen)
- FHA
- Varies by county from $541,287; NY-metro counties reach $1,249,125
Limits are set per county and change annually — we'll confirm the exact figure for your county when we quote your scenario.
NJHMFA offers first-time buyer mortgage programs and down payment assistance for eligible New Jersey buyers. We can help you evaluate whether an NJHMFA program or a conventional low-down-payment path prices out better for your situation.
njhousing.govWhat's Different in NJ
Highest property taxes in the nation
New Jersey's average effective property tax rate is the highest in the U.S. — often north of 2% of home value. Because taxes escrow into your monthly payment, they materially affect how much home you qualify for. We model full PITI, not just principal and interest, from the first quote.
Multi-family and condo depth
Two-to-four-unit homes are a signature North Jersey purchase — FHA allows 3.5% down on them when you occupy one unit, with rental income helping you qualify. For condos, we know which projects are warrantable and which need a non-QM or portfolio outlet.
Popular in New Jersey
Serving borrowers throughout New Jersey, including Union City, Jersey City, Hoboken, Newark, North Bergen, West New York, Bayonne, Elizabeth, Paterson, Edison, and every county in between.
The Mortgage Zone is a licensed mortgage broker in New Jersey (NMLS #2697124). Verify our licensing on the State Licenses page or via NMLS Consumer Access.
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Loan limits, program availability, tax rules, and assistance programs are subject to change and vary by county and borrower eligibility; information on this page is general reference, not a loan offer or tax advice. State agency programs are offered by those agencies, not The Mortgage Zone. Equal Housing Opportunity.
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