Ridgewood NJ Mortgage Broker
Local Bergen County mortgage expert specializing in Ridgewood home loans. FHA, VA, Conventional, and Jumbo financing for one of New Jersey's most desirable communities.
Licensed Mortgage Broker • NMLS #1577754 • Equal Housing Lender
Ridgewood Real Estate Market
Understanding the Ridgewood housing market for your home purchase
$850,000
Median home price (2025)
$650K-$2M+
Typical price range
$18,500
Avg. annual property taxes
A+ Rated
Ridgewood Public Schools
Why Buyers Love Ridgewood
- ✓Award-Winning Schools: Ridgewood High School consistently ranks in top 10 NJ schools
- ✓Vibrant Downtown: Shopping, dining, and entertainment along E. Ridgewood Avenue
- ✓NYC Commute: 30-minute train ride to Penn Station via NJ Transit
- ✓Parks & Recreation: 15+ parks, Graydon Pool, extensive sports programs
- ✓Safe Community: Low crime rate, family-friendly neighborhoods
- ✓Historic Charm: Tree-lined streets, Victorian homes, Dutch Colonial architecture
Mortgage Programs for Ridgewood Homes
Financing options for every Ridgewood homebuyer
Conventional Loans
3% down for first-time buyers, up to $929,200 conforming limit. Perfect for Ridgewood homes under $850K median price.
- • 620+ credit score
- • PMI removable at 20% equity
- • Competitive rates for 680+ scores
Jumbo Loans
For luxury Ridgewood homes over $929,200. Common for estates, waterfront properties, and premium neighborhoods.
- • 10-20% down payment
- • 700+ credit recommended
- • No maximum loan amount
FHA Loans
3.5% down with 580+ credit. Good for first-time buyers purchasing starter homes or condos in Ridgewood.
- • Low down payment option
- • Up to $929,200 in Bergen County
- • Flexible credit requirements
VA Loans
0% down for veterans and active military. No PMI even with zero down payment. No loan limit for full entitlement.
- • Zero down payment required
- • No PMI at any LTV
- • Competitive rates for military
Ridgewood Monthly Payment Example
Estimated payment for median-priced Ridgewood home
$850,000 Home Purchase
Estimated Monthly Payment
*Estimate only. Actual payment depends on rate, taxes, insurance, and HOA fees.
Ready to Buy Your Ridgewood Home?
Local Bergen County mortgage broker with deep Ridgewood market knowledge. Get pre-approved today and start your home search in one of New Jersey's premier communities.
Licensed Mortgage Broker • NMLS #1577754
Proudly serving Ridgewood homebuyers since 2015