Mortgage Broker in Fairview, NJ
Local Bergen County mortgage expert specializing in Fairview home loans. FHA, VA, Conventional financing for this affordable Bergen County entry point with excellent NYC access.
Licensed Mortgage Broker • NMLS #1577754 • Equal Housing Lender
Fairview Real Estate Market
Understanding the Fairview housing market for your home purchase
$485,000
Median home price (2025)
$350K-$650K
Typical price range
$12,998
Avg. annual property taxes
B/B+ Rated
Fairview Public Schools
Why Buyers Love Fairview
- ✓Affordable Entry Point: $485K median, accessible Bergen County living
- ✓NYC Commute: 20-minute bus to Port Authority, express routes
- ✓Starter Homes: Ideal for first-time buyers, young families
- ✓Diverse Community: Multicultural neighborhoods, international dining
- ✓Dense Residential: Townhomes, multi-family, varied housing options
- ✓Transit Access: Multiple bus lines, walkable neighborhoods
Mortgage Programs for Fairview Homes
Financing options for every Fairview homebuyer
FHA Loans
3.5% down with 580+ credit. Perfect for Fairview first-time buyers. Max loan $929,200 in Bergen County.
- Low down payment option
- Flexible credit requirements
- Seller can pay closing costs
VA Loans
0% down for veterans and active military. No PMI even with zero down payment. No maximum loan amount.
- Zero down payment required
- No PMI at any LTV ratio
- Competitive rates for military
Conventional Loans
3% down for first-time buyers, up to $929,200 conforming limit. Perfect for Fairview's $485K median.
- 620+ credit score required
- PMI removable at 20% equity
- Best rates for 680+ scores
Refinancing
Lower your rate, tap equity, or consolidate debt. Popular for Fairview homeowners building equity.
- Cash-out refinancing available
- Rate and term refinance
- No appraisal options available
Frequently Asked Questions
Common questions about Fairview home loans
What credit score do I need for a mortgage in Fairview NJ?
FHA loans require 580+ credit score with 3.5% down. Conventional loans typically need 620+ for best rates. VA loans are more flexible for veterans. For Fairview's $485K median home price, 680+ credit scores get the most competitive rates.
What are property taxes in Fairview NJ?
Fairview has an average tax rate of 2.68%. On a $485,000 home, expect approximately $12,998 annual property taxes ($1,083/month). Tax rates vary by specific location and property assessments.
How much down payment do I need for a Fairview home?
Down payment requirements vary: FHA loans require 3.5% down ($16,975 on a $485K home), VA loans require 0% down for eligible veterans, Conventional loans require 3-20% down ($14,550-$97,000), and Jumbo loans typically require 10-20% down.
How long does pre-approval take in Fairview?
Pre-approval typically takes 24-48 hours with complete documentation. You'll need recent pay stubs, W-2s, bank statements, and credit authorization. A pre-approval letter strengthens your offer in Fairview's active first-time buyer market.
Ready to Buy Your Fairview Home?
Local Bergen County mortgage broker with deep Fairview market knowledge. Get pre-approved today and start your home search in this affordable, accessible community.
Licensed Mortgage Broker • NMLS #1577754
Proudly serving Fairview homebuyers since 2015