Madison, NJ Home Loans & Mortgage Services
Expert mortgage guidance for Madison homebuyers and homeowners. Get competitive rates on conventional, FHA, VA, and jumbo loans with a local Bergen County mortgage advisor who understands the Madison market.
Madison Real Estate Market Overview
Why Choose Madison?
- #1 ranked school district in Morris County
- Charming walkable downtown with boutique shopping
- Midtown Direct train service to Penn Station
- Drew University campus and cultural events
- Safe family-friendly community with strong civic engagement
- Beautiful tree-lined streets and historic architecture
Popular Madison Neighborhoods
Mortgage Programs for Madison Buyers
Specializing in jumbo loans and luxury home financing for Madison's premium real estate market.
Jumbo Loans
For high-value properties in Bergen County
- Loan amounts above conforming limits
- Competitive rates for qualified borrowers
- Flexible loan terms
Conventional Loans
Low down payment options, competitive rates
- Down payments as low as 3%
- Competitive interest rates
- Flexible loan terms (15, 20, 30 years)
All In One Loan
Get financial flexibility and pay off your home loan faster
- Mortgage and checking in one account
- Automatic principal reduction
- Access to home equity without refinancing
HomeStyle® Renovation
Low down payments, big possibilities
- Down payment as low as 3%
- Finance up to 75% of completed value
- Wide range of renovation types allowed
Specialized Mortgage Resources for Madison
Explore detailed guides tailored specifically for Madison homebuyers and homeowners.
Home Equity Agreements in Madison
Are you a Madison homeowner considering a home equity agreement (HEA)? With Madison's strong property values and consist...
First-Time Homebuyers in Madison
Buying your first home in Madison is an exciting milestone. As a first-time homebuyer, you have access to special progra...
FHA Loans in Madison
FHA loans are one of the most popular mortgage options for homebuyers in Madison, offering low down payments, flexible c...
Jumbo Loans in Madison
For luxury homes and high-value properties in Madison, jumbo loans provide financing above conventional loan limits. The...
Mortgage Refinancing in Madison
Refinancing your Madison home can help you secure a lower interest rate, reduce your monthly payment, access your home e...
Conventional Loans in Madison
Conventional loans are the most popular mortgage option for homebuyers in Madison, offering competitive interest rates, ...
VA Loans in Madison
VA loans provide an incredible benefit for veterans, active-duty service members, and eligible surviving spouses looking...
HomeReady Loans in Madison
HomeReady loans from Fannie Mae help low-to-moderate income buyers afford homes in Madison with just 3% down, flexible c...
FHA 203(k) Renovation Loans in Madison
FHA 203(k) loans let you buy or refinance a fixer-upper in Madison and finance the renovation costs—all in a single mort...
Mortgage Recast Calculator in Madison
If you're a Madison homeowner who's come into a significant sum of money—whether from inheritance, a work bonus, stock o...
Why Work With a Madison Mortgage Expert?
Local Market Knowledge
Deep understanding of Madison property values, neighborhood trends, and local real estate market conditions.
Fast Pre-Approvals
Quick pre-approval letters to strengthen your offer in Madison's competitive real estate market.
Real Estate Agent Relationships
Established connections with top Madison real estate agents for seamless transactions.
School District Expertise
Guidance on buying in top-rated Madison Public Schools attendance zones.
Ready to Buy or Refinance in Madison?
Get expert mortgage guidance from a local Bergen County advisor who understands the Madison market. Call today or get started online.
Madison Mortgage FAQs
What is the average home price in Madison, NJ?
The median home price in Madison is approximately $900,000. Property values vary significantly by neighborhood, home size, and condition. Madison is considered a premium market within Bergen County.
Do I need a jumbo loan for Madison?
With a median price of $900,000, many Madison homes exceed the conforming loan limit of $766,550 and require jumbo financing. However, conventional loans are available for properties under this threshold. We can help you determine the best loan type for your specific property.
What is the property tax rate in Madison?
The effective property tax rate in Madison is approximately 2.38% of the assessed home value. Property taxes fund Madison Public Schools and local municipal services. On a $900,000 home, annual property taxes would be approximately $21,420.
How long does it take to commute from Madison to NYC?
The commute from Madison to New York City typically takes 50 minutes (NJ Transit Morris & Essex Line) by train or car, making it a convenient option for Manhattan commuters. Jersey City is approximately away. Many Madison residents work in NYC and appreciate the suburban quality of life with easy urban access.
Start Your Madison Home Journey Today
Whether you're buying your first home or refinancing your current property, we're here to help you navigate the Madison real estate market with confidence.