Bergen County Mortgage Broker Serving All 20 Towns
Expert Bergen County mortgage broker with deep local market knowledge. Serving Ridgewood, Paramus, Fort Lee, Englewood, Tenafly, and 15 more communities with FHA, VA, Conventional, and NJHMFA loans.
Licensed Mortgage Broker • NMLS #1577754 • Branch NMLS #2477715 • Equal Housing Lender
Bergen County Real Estate Market 2025
Understanding New Jersey's most sought-after county for homebuyers
$749,714
Median home price (2024 data)
Range: $450K-$3M+
2.73%
Effective property tax rate
~$20,467/year on median home
955,732
County population (2020 Census)
NJ's most populous county
67.8%
Homeownership rate
Strong owner-occupied market
Bergen County Market Highlights
- Economic Powerhouse:Average household income $101,144, higher than NJ state average
- Top-Rated Schools:Multiple districts ranked in NJ's top 20, including Ridgewood, Tenafly, and Demarest
- NYC Commuter Haven:Average 35-45 minute commute to Manhattan via NJ Transit, bus, or George Washington Bridge
- Diverse Housing Stock:From luxury estates in Alpine to affordable condos in Garfield, options for every budget
- Safe Communities:Many towns ranked among NJ's safest, with family-friendly neighborhoods
- Prime Location:Borders Hudson River, minutes to NYC, near major highways (Routes 4, 17, 80, I-95, Parkway)
All 20 Bergen County Towns We Serve
Click any town for detailed mortgage information and local market data
Allendale
Median: $725K
Alpine
Median: $2.5M+
Bergenfield
Median: $515K
Bogota
Median: $485K
Carlstadt
Median: $520K
Closter
Median: $780K
Cresskill
Median: $735K
Demarest
Median: $895K
Dumont
Median: $555K
East Rutherford
Median: $580K
Edgewater
Median: $725K
Emerson
Median: $625K
Englewood
Median: $670K
Englewood Cliffs
Median: $1.1M
Fair Lawn
Median: $580K
Fort Lee
Median: $680K
Franklin Lakes
Median: $1.2M
Garfield
Median: $455K
Paramus
Median: $710K
Ridgewood
Median: $850K
Mortgage Programs for Bergen County Homebuyers
2025 loan limits: $1,209,750 for conventional and FHA loans
Conventional Loans
3% down for first-time buyers, up to $1,209,750 conforming limit in Bergen County (2025). Perfect for buyers with good credit.
- • 620+ credit score required
- • PMI removable at 20% equity
- • Competitive rates for 680+ scores
- • Ideal for Bergen County median price ($749K)
FHA Loans
3.5% down with 580+ credit score. Up to $1,209,750 in Bergen County (2025). Great for first-time buyers with lower down payment.
- • Low down payment option (3.5%)
- • $1,209,750 Bergen County limit
- • Flexible credit requirements
- • Good for starter homes & condos
VA Loans
0% down for veterans, active military, and eligible spouses. No PMI even with zero down. No maximum loan amount for full entitlement.
- • Zero down payment required
- • No PMI at any loan-to-value
- • No Bergen County loan limit
- • Competitive veteran rates
Jumbo Loans
For luxury Bergen County homes over $1,209,750. Common for Alpine, Franklin Lakes, Saddle River, and premium Ridgewood properties.
- • 10-20% down payment typical
- • 700+ credit recommended
- • No maximum loan amount
- • Luxury home specialists
NJHMFA Down Payment Assistance: Up to $22,000
Bergen County first-time homebuyers can receive substantial down payment help from the New Jersey Housing and Mortgage Finance Agency.
Standard Down Payment Assistance
- ✓Up to $15,000 for qualified first-time buyers
- ✓Interest-free, 5-year forgivable second loan
- ✓No monthly payment on the second loan
- ✓Must use NJHMFA-approved lender
First-Generation Homebuyer Bonus
- ✓Additional $7,000 for first-generation buyers
- ✓Total assistance: up to $22,000
- ✓Can be combined with FHA, VA, or conventional
- ✓Makes Bergen County homes more accessible
Bergen County Mortgage FAQs
Common questions from Bergen County homebuyers
What is the median home price in Bergen County, NJ?
The median home price in Bergen County is $749,714 as of 2024. Prices vary significantly by town, ranging from around $450,000 in more affordable communities like Garfield to over $2.5 million in luxury areas like Alpine and Saddle River.
What are property taxes like in Bergen County?
Bergen County has an average effective property tax rate of 2.73%. On a median-priced home of $749,714, this equals approximately $20,467 annually or $1,706 per month. Tax rates vary by municipality, with some towns having higher or lower rates based on school budgets and local services.
Which Bergen County towns do you serve?
We serve all Bergen County towns including Ridgewood, Paramus, Fort Lee, Englewood, Tenafly, Fair Lawn, Hackensack, Closter, Edgewater, Alpine, Franklin Lakes, Allendale, Bergenfield, Cresskill, Demarest, Dumont, and many more. We have detailed market knowledge and town-specific mortgage pages for each community.
What is the 2025 mortgage loan limit for Bergen County?
The 2025 conforming loan limit for Bergen County is $1,209,750 for both conventional and FHA loans. This is higher than the national baseline of $806,500 due to Bergen County's high-cost area designation. Loans above this amount are considered jumbo loans and have different requirements.
Can I get down payment assistance in Bergen County?
Yes! The NJHMFA (New Jersey Housing and Mortgage Finance Agency) offers up to $15,000 in down payment assistance for qualified first-time homebuyers in Bergen County. First-generation homebuyers can receive an additional $7,000, totaling up to $22,000 in assistance. This is an interest-free, 5-year forgivable second loan with no monthly payment.
How long does it take to commute from Bergen County to NYC?
Bergen County offers excellent NYC access. Average commute times range from 25-45 minutes depending on the town. Fort Lee and Edgewater have 20-30 minute commutes via the George Washington Bridge. Ridgewood, Paramus, and Fair Lawn are 30-40 minutes via NJ Transit train to Penn Station or bus to Port Authority.
Ready to Buy Your Bergen County Home?
Local Bergen County mortgage broker with deep market knowledge in all 20 towns. Get pre-approved today and start your home search in New Jersey's premier county.
Jimmy Joseph MBA • Licensed Mortgage Broker
NMLS #1577754 • Branch NMLS #2477715
CMG Home Loans • Equal Housing Lender