Mortgage Broker in Harrington Park, NJ
Local Bergen County mortgage expert specializing in Harrington Park home loans. FHA, VA, Conventional, and Jumbo financing for this quiet residential borough with excellent schools and family-friendly parks.
Licensed Mortgage Broker • NMLS #1577754 • Equal Housing Lender
Harrington Park Real Estate Market
Understanding the Harrington Park housing market for your home purchase
$715,000
Median home price (2025)
$550K-$950K
Typical price range
$17,303
Avg. annual property taxes
A/A- Rated
Harrington Park Schools
Why Buyers Love Harrington Park
- ✓Excellent Schools: A/A- rated, Northern Valley Regional HS access
- ✓Quiet Residential: Safe neighborhoods, suburban privacy, low traffic
- ✓Family-Friendly: Parks, recreation programs, community events
- ✓NYC Access: 30-minute commute to Manhattan, express bus routes
- ✓Safe Community: Low crime rate, family-oriented neighborhoods
- ✓Northern Valley: Access to top-rated regional high school district
Mortgage Programs for Harrington Park Homes
Financing options for every Harrington Park homebuyer
FHA Loans
3.5% down with 580+ credit. Ideal for first-time buyers in Harrington Park. 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 Harrington Park's $715K median.
- 620+ credit score required
- PMI removable at 20% equity
- Best rates for 680+ scores
Jumbo Loans
For luxury Harrington Park homes over $929,200. Available for premium properties and estates.
- 10-20% down payment
- 700+ credit recommended
- No maximum loan amount
Frequently Asked Questions
Common questions about Harrington Park home loans
What credit score do I need for a mortgage in Harrington Park 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 Harrington Park's $715K median home price, 680+ credit scores get the most competitive rates.
What are property taxes in Harrington Park NJ?
Harrington Park has an average tax rate of 2.42%. On a $715,000 home, expect approximately $17,303 annual property taxes ($1,442/month). Tax rates vary by specific location and property assessments.
How much down payment do I need for a Harrington Park home?
Down payment requirements vary: FHA loans require 3.5% down ($25,025 on a $715K home), VA loans require 0% down for eligible veterans, Conventional loans require 3-20% down ($21,450-$143,000), and Jumbo loans typically require 10-20% down.
How long does pre-approval take in Harrington Park?
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 Harrington Park's family-oriented market.
Ready to Buy Your Harrington Park Home?
Local Bergen County mortgage broker with deep Harrington Park market knowledge. Get pre-approved today and start your home search in this family-friendly community.
Licensed Mortgage Broker • NMLS #1577754
Proudly serving Harrington Park homebuyers since 2015