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Mortgage Broker in River Vale, NJ 07675

Your local mortgage expert for River Vale and Bergen County. Get approved for FHA, VA, and Jumbo loans up to $1,149,825 with competitive rates and personalized service.

River Vale Real Estate Market Overview

River Vale is an affluent Pascack Valley community offering spacious homes and top-rated schools. With a median home price of $725,000, River Vale provides family-friendly suburban living with excellent amenities.

Median Home Price

$725,000

Annual Appreciation

+4.2% YoY

Property Tax Rate

2.23%

School Rating

8/10

Why Choose River Vale?

  • Excellent Schools

    River Vale schools rank highly in Bergen County

  • Strong Property Values

    +4.2% YoY annual appreciation with strong demand

  • Quality Homes

    Well-maintained homes in established neighborhoods

  • Active Community

    Family-friendly with community events

Mortgage Programs for River Vale Homebuyers

Whether you're buying your first home or finding your perfect home, we have the right loan program for your River Vale purchase.

FHA

FHA Loans

Perfect for first-time buyers in River Vale. Only 3.5% down with loans up to $1,149,825.

  • • Minimum 580 credit score
  • • Low down payment options
  • • Flexible qualification
VA

VA Loans

For veterans and active military. 0% down payment up to $1,149,825 in Bergen County.

  • • No down payment required
  • • No PMI needed
  • • Competitive interest rates
J

Jumbo Loans

For luxury River Vale properties. Competitive rates for high-value homes.

  • • Loans up to $3 million+
  • • Flexible terms available
  • • Portfolio lending options
Conv

Conventional Loans

Traditional financing with as little as 5% down for River Vale properties.

  • • Remove PMI at 20% equity
  • • Fixed and ARM options
  • • Up to $1,149,825
203k

Renovation Loans

Buy and renovate a River Vale home with one loan. Finance repairs into mortgage.

  • • Finance purchase + repairs
  • • FHA 203k available
  • • Transform older homes
1st

First-Time Buyer

Special programs for first-time buyers in River Vale with down payment assistance.

  • • NJ DPA programs
  • • Lower down payments
  • • Educational resources

Also Serving Nearby Bergen County Towns

Our River Vale mortgage experts also serve these neighboring communities

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.

Ready to Buy Your River Vale Home?

Get pre-approved today and start shopping with confidence. Our local expertise makes the difference in Bergen County's competitive market.

NMLS #1577754 | Equal Housing Lender | Licensed in New Jersey