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Mortgage Broker in Closter, NJ 07624

Your local mortgage expert for Closter and Bergen County. Get approved for FHA, VA, and Jumbo loans up to $1,149,825 with competitive rates and personalized service.

Closter Real Estate Market Overview

Closter is an upscale residential community in northern Bergen County, known for its excellent schools and family-friendly atmosphere. With a median home price of $895,000, Closter offers suburban luxury living with easy access to Manhattan.

Median Home Price

$895,000

Annual Appreciation

+4.5% YoY

Property Tax Rate

2.25%

School Rating

8/10

Why Choose Closter?

  • Excellent Schools

    Closter schools rank highly in Bergen County

  • Strong Property Values

    +4.5% YoY annual appreciation with strong demand

  • Luxury Housing

    Upscale properties with premium amenities

  • Active Community

    Family-friendly with community events

Mortgage Programs for Closter Homebuyers

Whether you're buying your first home or upgrading to a luxury property, we have the right loan program for your Closter purchase.

FHA

FHA Loans

Perfect for first-time buyers in Closter. Only 3.5% down with loans up to $1,149,825.

  • • Minimum 580 credit score
  • • Low down payment options
  • • Flexible qualification
VA

VA Loans

For veterans and active military. 0% down payment up to $1,149,825 in Bergen County.

  • • No down payment required
  • • No PMI needed
  • • Competitive interest rates
J

Jumbo Loans

For luxury Closter properties. Competitive rates for high-value homes.

  • • Loans up to $3 million+
  • • Flexible terms available
  • • Portfolio lending options
Conv

Conventional Loans

Traditional financing with as little as 5% down for Closter properties.

  • • Remove PMI at 20% equity
  • • Fixed and ARM options
  • • Up to $1,149,825
203k

Renovation Loans

Buy and renovate a Closter home with one loan. Finance repairs into mortgage.

  • • Finance purchase + repairs
  • • FHA 203k available
  • • Transform older homes
1st

First-Time Buyer

Special programs for first-time buyers in Closter with down payment assistance.

  • • NJ DPA programs
  • • Lower down payments
  • • Educational resources

Also Serving Nearby Bergen County Towns

Our Closter mortgage experts also serve these neighboring communities

Current Multi-State Mortgage Rates

Competitive rates across NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA. FHA, VA, Conventional and Jumbo loans available in all licensed states.

Multi-State Loan Availability

Licensed to serve clients in NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA. FHA, VA, Conventional and Jumbo loan programs available with competitive rates and flexible down payment options in all licensed states.

Calculate Your Monthly Payment

Enter your target home price for rate calculation

FHA 30-Year Fixed

3.5% down payment

Interest Rate:6.75%
APR:6.95%
Loan Limit:Up to $1,149,825

Your Estimated Payment

Monthly Payment

$2,598/mo*

Principal & Interest:$2,598
Property Tax (est.):$1,458/mo
Insurance (est.):$125/mo
PMI (if applicable):$285/mo
Total Monthly:$4,466/mo*

*Payment examples based on $850,000 loan amount. Actual payments will vary based on your specific situation, credit score, down payment, and current market conditions. Property taxes vary by state and local area.

Multi-State Tax Rates

Property tax rates vary by state: NJ (~2.2%), NY (~1.4%), PA (~1.5%), CT (~2.1%), MD (~1.1%), OH (~1.6%), GA (~0.9%).

Market Coverage

Serving all price ranges across our licensed states. First-time buyer programs and luxury home financing available.

Down Payment Programs

State DPA programs available across all licensed states. FHA 3.5% down, VA 0% down for veterans.

Lock In Your Rate Today

Rates change daily. Get pre-approved now to secure your rate in any of our licensed states: NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA.

Ready to Buy Your Closter Home?

Get pre-approved today and start shopping with confidence. Our local expertise makes the difference in Bergen County's competitive market.

NMLS #1577754 | Equal Housing Lender | Licensed in New Jersey