Irvington, NJ Home Loans & Mortgage Services
Expert mortgage guidance for Irvington homebuyers and homeowners. Get competitive rates on conventional, FHA, VA, and jumbo loans with a local Bergen County mortgage advisor who understands the Irvington market.
Irvington Real Estate Market Overview
Why Choose Irvington?
- Affordable entry-level homeownership in Essex County
- NJ Transit train service to NYC Penn Station
- Diverse, multicultural community
- Strategic location between Newark and Maplewood
- Growing local businesses and community organizations
- Investment and first-time buyer opportunities
Popular Irvington Neighborhoods
Mortgage Programs for Irvington Buyers
Expert guidance on FHA, VA, and low down payment programs perfect for Irvington 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
VA Loans
$0 down for eligible veterans and military
- 100% financing - no down payment required
- No private mortgage insurance (PMI)
- Competitive interest rates
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
Home Possible
More possibilities with down payments as low as 3%
- Down payment as low as 3%
- Reduced mortgage insurance
- No first-time buyer requirement
203K Renovation Loan
Turn the house you like into the home you love
- Finance purchase and renovation in one loan
- Down payment as low as 3.5%
- Limited 203(k): Up to $75,000 (NEW 2025 limit)
Specialized Mortgage Resources for Irvington
Explore detailed guides tailored specifically for Irvington homebuyers and homeowners.
Home Equity Agreements in Irvington
Are you a Irvington homeowner considering a home equity agreement (HEA)? With Irvington's strong property values and con...
First-Time Homebuyers in Irvington
Buying your first home in Irvington is an exciting milestone. As a first-time homebuyer, you have access to special prog...
FHA Loans in Irvington
FHA loans are one of the most popular mortgage options for homebuyers in Irvington, offering low down payments, flexible...
Jumbo Loans in Irvington
For luxury homes and high-value properties in Irvington, jumbo loans provide financing above conventional loan limits. T...
Mortgage Refinancing in Irvington
Refinancing your Irvington home can help you secure a lower interest rate, reduce your monthly payment, access your home...
Conventional Loans in Irvington
Conventional loans are the most popular mortgage option for homebuyers in Irvington, offering competitive interest rates...
VA Loans in Irvington
VA loans provide an incredible benefit for veterans, active-duty service members, and eligible surviving spouses looking...
HomeReady Loans in Irvington
HomeReady loans from Fannie Mae help low-to-moderate income buyers afford homes in Irvington with just 3% down, flexible...
FHA 203(k) Renovation Loans in Irvington
FHA 203(k) loans let you buy or refinance a fixer-upper in Irvington and finance the renovation costs—all in a single mo...
Mortgage Recast Calculator in Irvington
If you're a Irvington homeowner who's come into a significant sum of money—whether from inheritance, a work bonus, stock...
Why Work With a Irvington Mortgage Expert?
Local Market Knowledge
Deep understanding of Irvington property values, neighborhood trends, and local real estate market conditions.
Fast Pre-Approvals
Quick pre-approval letters to strengthen your offer in Irvington's competitive real estate market.
Real Estate Agent Relationships
Established connections with top Irvington real estate agents for seamless transactions.
School District Expertise
Guidance on buying in top-rated Irvington Public Schools attendance zones.
Ready to Buy or Refinance in Irvington?
Get expert mortgage guidance from a local Bergen County advisor who understands the Irvington market. Call today or get started online.
Irvington Mortgage FAQs
What is the average home price in Irvington, NJ?
The median home price in Irvington is approximately $291,500. Property values vary significantly by neighborhood, home size, and condition. Irvington is considered a entry-level market within Bergen County.
What types of mortgage loans are available in Irvington?
Irvington 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 Irvington?
The effective property tax rate in Irvington is approximately 3.45% of the assessed home value. Property taxes fund Irvington Public Schools and local municipal services. On a $291,500 home, annual property taxes would be approximately $10,057.
How long does it take to commute from Irvington to NYC?
The commute from Irvington to New York City typically takes 30-35 minutes by train or car, making it a convenient option for Manhattan commuters. Jersey City is approximately away. Many Irvington residents work in NYC and appreciate the suburban quality of life with easy urban access.
Start Your Irvington Home Journey Today
Whether you're buying your first home or refinancing your current property, we're here to help you navigate the Irvington real estate market with confidence.