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Mortgage Broker in Ridgewood, NJ 07450

Ridgewood is one of Bergen County's most prestigious communities, known for its excellent schools, charming downtown, and beautiful tree-lined streets.

Ridgewood Real Estate Market

Median Home Price

$1,175,000

Appreciation

+4.8% YoY

Median Income

$162,011

School Rating

9/10

Quick Facts

Population:25,979
Property Tax Rate:2.34%
County:Bergen County
FHA/VA Limit:$1,149,825

Why Buy in Ridgewood?

  • Top-rated Blue Ribbon schools
  • Vibrant downtown with restaurants and shops
  • Direct train service to NYC
  • Historic Victorian homes

Mortgage Programs for Ridgewood Buyers

We offer specialized loan programs tailored to Ridgewood's market conditions and buyer needs.

FHA Loans

Perfect for Ridgewood first-time buyers. 3.5% down up to $1,149,825.

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VA Loans

0% down for veterans buying in Ridgewood. Up to $1,149,825 limit.

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Jumbo Loans

For Ridgewood homes above $1,149,825. Competitive rates available.

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Ready to Buy in Ridgewood?

Get pre-approved today and start your Ridgewood home search with confidence.

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Current Multi-State Mortgage Rates

Competitive rates across NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA. FHA, VA, Conventional and Jumbo loans available in all licensed states.

Multi-State Loan Availability

Licensed to serve clients in NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA. FHA, VA, Conventional and Jumbo loan programs available with competitive rates and flexible down payment options in all licensed states.

Calculate Your Monthly Payment

Enter your target home price for rate calculation

FHA 30-Year Fixed

3.5% down payment

Interest Rate:6.75%
APR:6.95%
Loan Limit:Up to $1,149,825

Your Estimated Payment

Monthly Payment

$2,598/mo*

Principal & Interest:$2,598
Property Tax (est.):$1,458/mo
Insurance (est.):$125/mo
PMI (if applicable):$285/mo
Total Monthly:$4,466/mo*

*Payment examples based on $850,000 loan amount. Actual payments will vary based on your specific situation, credit score, down payment, and current market conditions. Property taxes vary by state and local area.

Multi-State Tax Rates

Property tax rates vary by state: NJ (~2.2%), NY (~1.4%), PA (~1.5%), CT (~2.1%), MD (~1.1%), OH (~1.6%), GA (~0.9%).

Market Coverage

Serving all price ranges across our licensed states. First-time buyer programs and luxury home financing available.

Down Payment Programs

State DPA programs available across all licensed states. FHA 3.5% down, VA 0% down for veterans.

Lock In Your Rate Today

Rates change daily. Get pre-approved now to secure your rate in any of our licensed states: NYC/NY, NJ, PA, CT, Maryland, Ohio, & GA.

Your Ridgewood Mortgage Expert

With local expertise and competitive rates, we make buying in Ridgewood simple and stress-free.

NMLS #1577754 | Serving Ridgewood and all of Bergen County