Bergen County 203(k) Renovation Loans
Expert FHA 203(k) renovation loan services across all 69 Bergen County municipalities. Finance both your home purchase and renovations with a single loan and as little as 3.5% down. Serving premium communities like Ridgewood and Franklin Lakes to affordable towns like Lodi and Garfield.
Why Bergen County for 203(k) Renovation Loans?
Bergen County is New Jersey's most populous county with over 950,000 residents and diverse housing stock ranging from $300,000 starter homes to $3+ million estates. The 203(k) renovation loan is ideal for Bergen County buyers because:
- Aging Housing Stock: Many Bergen County homes were built in the 1950s-1980s and need modernization—perfect for 203(k) financing
- Strong Appreciation: Bergen County historically appreciates 3-5% annually, ensuring renovation ROI
- Top Schools: Bergen County has 20+ districts rated 8/10 or higher, driving demand for updated homes in good districts
- NYC Access: 20-40 minute commutes to Manhattan make Bergen County ideal for professionals willing to renovate
All 69 Bergen County Towns - 203(k) Loan Coverage
Premium Markets (23 towns)
Luxury communities with median prices $800K+. Ideal for high-end kitchen remodels, master suite additions, and whole-home updates.
Ridgewood
$925,000
Ridgewood Public Schools
Franklin Lakes
$1,150,000
Franklin Lakes Public Schools
Saddle River
$1,450,000
Saddle River Public Schools / Ramsey Schools
Alpine
$2,100,000
Alpine Public Schools / Tenafly Schools
Cresskill
$850,000
Cresskill Public Schools
Demarest
$950,000
Demarest Public Schools / Northern Valley Regional
Ho-Ho-Kus
$850,000
Ho-Ho-Kus Public Schools / Northern Valley Regional
Old Tappan
$825,000
Old Tappan Public Schools / Northern Valley Regional
Woodcliff Lake
$900,000
Woodcliff Lake Public Schools / Pascack Valley Regional
Norwood
$750,000
Norwood Public Schools / Northern Valley Regional
Harrington Park
$750,000
Harrington Park Public Schools / Northern Valley Regional
Oradell
$725,000
Oradell Public Schools / River Dell Regional
River Vale
$750,000
River Vale Public Schools / Pascack Valley Regional
Glen Rock
$750,000
Glen Rock Public Schools
Wyckoff
$750,000
Wyckoff Public Schools
Closter
$725,000
Closter Public Schools
Haworth
$900,000
Haworth Public Schools / Northern Valley Regional
Tenafly
$925,000
Tenafly Public Schools
Englewood Cliffs
$950,000
Englewood Cliffs Public Schools / Upper School Choice
Edgewater
$750,000
Edgewater Public Schools
Allendale
$750,000
Allendale Public Schools / Northern Highlands Regional
Upper Saddle River
$1,200,000
Upper Saddle River Public Schools / Northern Highlands Regional
Rockleigh
$1,100,000
Rockleigh Public Schools / Northern Valley Regional
Mid-Market Towns (26 towns)
Established communities with median prices $400K-$800K. Perfect for kitchen updates, bathroom additions, and basement finishing.
Paramus
$625,000
Paramus Public Schools
Fair Lawn
$575,000
Fair Lawn Public Schools
Teaneck
$550,000
Teaneck Public Schools
Fort Lee
$650,000
Fort Lee Public Schools
Mahwah
$625,000
Mahwah Township Public Schools
Ramsey
$650,000
Ramsey Public Schools
Englewood
$625,000
Englewood Public Schools / Dwight-Englewood (Private)
Westwood
$650,000
Westwood Regional Schools
Montvale
$675,000
Montvale Public Schools / Pascack Valley Regional
Park Ridge
$625,000
Park Ridge Public Schools / Pascack Valley Regional
Hillsdale
$625,000
Hillsdale Public Schools / Pascack Valley Regional
Emerson
$550,000
Emerson Public Schools
New Milford
$525,000
New Milford Public Schools
Dumont
$525,000
Dumont Public Schools
Bergenfield
$525,000
Bergenfield Public Schools
Leonia
$650,000
Leonia Public Schools
Palisades Park
$525,000
Palisades Park Public Schools
Ridgefield
$550,000
Ridgefield Public Schools
Cliffside Park
$575,000
Cliffside Park Public Schools
North Arlington
$550,000
North Arlington Public Schools
Rutherford
$625,000
Rutherford Public Schools
Washington Township
$625,000
Washington Township Public Schools / Pascack Valley Regional
Waldwick
$575,000
Waldwick Public Schools
Midland Park
$550,000
Midland Park Public Schools
River Edge
$675,000
River Edge Public Schools / River Dell Regional
Northvale
$625,000
Northvale Public Schools / Northern Valley Regional
Affordable Entry Points (20 towns)
Value communities with median prices under $400K. Excellent for first-time buyers using 203(k) to build instant equity.
Hackensack
$445,000
Hackensack Public Schools
Ridgefield Park
$475,000
Ridgefield Park Public Schools
Fairview
$475,000
Fairview Public Schools
Lyndhurst
$475,000
Lyndhurst Public Schools
East Rutherford
$450,000
East Rutherford Public Schools
Carlstadt
$425,000
Carlstadt Public Schools / Carlstadt-East Rutherford
Wallington
$425,000
Wallington Public Schools
Garfield
$425,000
Garfield Public Schools
Lodi
$395,000
Lodi Public Schools
Hasbrouck Heights
$475,000
Hasbrouck Heights Public Schools
Wood-Ridge
$450,000
Wood-Ridge Public Schools
Little Ferry
$425,000
Little Ferry Public Schools
South Hackensack
$425,000
South Hackensack Public Schools
Maywood
$475,000
Maywood Public Schools
Rochelle Park
$475,000
Rochelle Park Public Schools
Saddle Brook
$475,000
Saddle Brook Public Schools
Elmwood Park
$450,000
Elmwood Park Public Schools
Bogota
$475,000
Bogota Public Schools
Moonachie
$375,000
Moonachie Public Schools
Teterboro
$450,000
Hasbrouck Heights Public Schools (sending district)
Ready to Start Your Bergen County 203(k) Project?
Jimmy Joseph MBA has helped hundreds of Bergen County buyers purchase and renovate homes with FHA 203(k) financing. Get expert guidance from application through final inspection.