Hasbrouck Heights NJ Mortgage Broker
Local mortgage expert serving Hasbrouck Heights. FHA, VA, Conventional loans for homes averaging $535,000. Walkable downtown community.
Median Home
$535,000
Walkable borough homes
Property Tax
$13,200/yr
2.47% effective rate
Population
12,026
Family-friendly borough
Schools
B+
Strong local schools
Hasbrouck Heights Real Estate Market
Hasbrouck Heights is a charming Bergen County borough known for its walkable downtown, tree-lined streets, and strong sense of community. With a median home price of $535,000, it offers more affordable options compared to neighboring towns while maintaining excellent quality of life.
Why Buy in Hasbrouck Heights?
- Walkable Downtown: Boulevard shopping district with restaurants, shops, and services
- Convenient Location: 15 minutes to NYC via NJ Transit, near Route 17 and Teterboro Airport
- Affordable Entry: Lower prices than Ridgewood or Glen Rock while staying in Bergen County
- Community Events: Annual street fair, farmer's market, holiday celebrations
Mortgage Programs for Hasbrouck Heights
FHA Loans
- • 3.5% down payment ($18,725 on $535K home)
- • 580+ credit score minimum
- • Loan limit: $766,550
- • Great for first-time buyers
VA Loans
- • 0% down payment for veterans
- • No PMI required
- • Competitive rates
- • Certificate of Eligibility required
Conventional Loans
- • 3-20% down payment
- • 620+ credit score
- • PMI removable at 80% LTV
- • Best rates with 740+ credit
First-Time Buyer
- • Up to $15K down payment assistance
- • 3% down conventional options
- • NJHMFA programs available
- • Free homebuyer education
Hasbrouck Heights Mortgage FAQs
What is the minimum down payment needed in Hasbrouck Heights NJ?
FHA loans require 3.5% down ($18,725 on $535K median home). VA loans require 0% down for veterans. Conventional loans typically require 5-20% down ($26,750-$107K on median home).
Are there first-time home buyer programs for Hasbrouck Heights?
Yes! NJHMFA offers up to $15,000 in down payment assistance for Bergen County first-time buyers. We also offer 3.5% FHA loans and 3% conventional loans with approved credit.
What are property taxes like in Hasbrouck Heights NJ?
Hasbrouck Heights has an effective property tax rate of 2.47%, with average annual taxes around $13,200 on the median $535K home. This is slightly below Bergen County average of 2.73%.
What is the best loan type for Hasbrouck Heights homes?
For median-priced homes ($535K), conventional loans work well with 5-10% down. FHA loans are great for first-time buyers with 3.5% down. VA loans (0% down) are excellent for eligible veterans. Schedule a consultation for personalized guidance.
Ready to Buy in Hasbrouck Heights?
Get pre-approved today and start your home search with confidence. Local Bergen County expertise since day one.