Garfield, NJ Home Loans & Mortgage Services
Expert mortgage guidance for Garfield homebuyers and homeowners. Get competitive rates on conventional, FHA, VA, and jumbo loans with a local Bergen County mortgage advisor who understands the Garfield market.
Garfield Real Estate Market Overview
Why Choose Garfield?
- Affordable Bergen County homes
- Diverse community
- Easy access to Route 46 and GSP
- Growing downtown area
Popular Garfield Neighborhoods
Mortgage Programs for Garfield Buyers
Expert guidance on FHA, VA, and low down payment programs perfect for Garfield first-time buyers.
FHA Loans
As low as 3.5% down, flexible credit requirements
- Down payment as low as 3.5%
- Credit scores as low as 580 accepted
- Gift funds allowed for down payment
Conventional Loans
Low down payment options, competitive rates
- Down payments as low as 3%
- Competitive interest rates
- Flexible loan terms (15, 20, 30 years)
HomeReady Loan
Flexible funding with down payments as low as 3%
- Down payment as low as 3%
- Reduced mortgage insurance costs
- Flexible income sources accepted
VA Loans
$0 down for eligible veterans and military
- 100% financing - no down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
Specialized Mortgage Resources for Garfield
Explore detailed guides tailored specifically for Garfield homebuyers and homeowners.
Home Equity Agreements in Garfield
Are you a Garfield homeowner considering a home equity agreement (HEA)? With Garfield's strong property values and consi...
First-Time Homebuyers in Garfield
Buying your first home in Garfield is an exciting milestone. As a first-time homebuyer, you have access to special progr...
FHA Loans in Garfield
FHA loans are one of the most popular mortgage options for homebuyers in Garfield, offering low down payments, flexible ...
Jumbo Loans in Garfield
For luxury homes and high-value properties in Garfield, jumbo loans provide financing above conventional loan limits. Th...
Mortgage Refinancing in Garfield
Refinancing your Garfield home can help you secure a lower interest rate, reduce your monthly payment, access your home ...
Conventional Loans in Garfield
Conventional loans are the most popular mortgage option for homebuyers in Garfield, offering competitive interest rates,...
VA Loans in Garfield
VA loans provide an incredible benefit for veterans, active-duty service members, and eligible surviving spouses looking...
HomeReady Loans in Garfield
HomeReady loans from Fannie Mae help low-to-moderate income buyers afford homes in Garfield with just 3% down, flexible ...
FHA 203(k) Renovation Loans in Garfield
FHA 203(k) loans let you buy or refinance a fixer-upper in Garfield and finance the renovation costs—all in a single mor...
Mortgage Recast Calculator in Garfield
If you're a Garfield homeowner who's come into a significant sum of money—whether from inheritance, a work bonus, stock ...
Why Work With a Garfield Mortgage Expert?
Local Market Knowledge
Deep understanding of Garfield property values, neighborhood trends, and local real estate market conditions.
Fast Pre-Approvals
Quick pre-approval letters to strengthen your offer in Garfield's competitive real estate market.
Real Estate Agent Relationships
Established connections with top Garfield real estate agents for seamless transactions.
School District Expertise
Guidance on buying in top-rated Garfield Public Schools attendance zones.
Ready to Buy or Refinance in Garfield?
Get expert mortgage guidance from a local Bergen County advisor who understands the Garfield market. Call today or get started online.
Garfield Mortgage FAQs
What is the average home price in Garfield, NJ?
The median home price in Garfield is approximately $425,000. Property values vary significantly by neighborhood, home size, and condition. Garfield is considered a entry-level market within Bergen County.
What types of mortgage loans are available in Garfield?
Garfield homebuyers can access conventional loans, FHA loans (3.5% down), VA loans (0% down for veterans), and first-time buyer programs like HomeReady and Home Possible. The best option depends on your credit score, down payment, and financial situation.
What is the property tax rate in Garfield?
The effective property tax rate in Garfield is approximately 2.82% of the assessed home value. Property taxes fund Garfield Public Schools and local municipal services. On a $425,000 home, annual property taxes would be approximately $11,985.
How long does it take to commute from Garfield to NYC?
The commute from Garfield to New York City typically takes 25 minutes by train or car, making it a convenient option for Manhattan commuters. Jersey City is approximately 20 minutes away. Many Garfield residents work in NYC and appreciate the suburban quality of life with easy urban access.
Start Your Garfield Home Journey Today
Whether you're buying your first home or refinancing your current property, we're here to help you navigate the Garfield real estate market with confidence.