South Hackensack NJ
Mortgage Broker
Expert home loan guidance for South Hackensack. FHA, VA, Conventional financing with competitive rates and local market expertise.
Why Choose South Hackensack NJ
South Hackensack is a diverse Bergen County community offering affordable homeownership with excellent highway access. With a median home price of $545,000 and population of 2,600, this small township provides central location advantages without premium pricing found in neighboring towns.
The Route 46 commercial corridor runs through South Hackensack, providing abundant shopping, dining, and employment opportunities. Major highways including Routes 46, 80, and 95 offer quick connections to Manhattan, Newark, and throughout northern New Jersey, making this an ideal location for commuters.
South Hackensack School District serves K-8 students with B-rated programs, while high schoolers attend Hackensack High School. Qualified students can access Bergen County Academies, one of New Jersey's top magnet schools. The township's diversity and community feel attract first-time buyers and families seeking value.
South Hackensack Market Snapshot
Home Loan Programs for South Hackensack
Flexible financing options designed for Bergen County homebuyers at every budget level.
FHA Loans
Just 3.5% down ($19,075 on $545K median). Perfect for first-time buyers with credit scores as low as 580.
- •3.5% down payment
- •580+ credit score
- •43% max DTI ratio
VA Loans
0% down payment for eligible veterans and service members. No PMI required. Competitive rates.
- •$0 down payment
- •No PMI required
- •Military benefits
Conventional
As low as 3% down ($16,350 on median). Best rates for strong credit. PMI removable at 20% equity.
- •3-20% down payment
- •620+ credit score
- •Flexible options
Jumbo Loans
For homes exceeding $766,550. Competitive rates for luxury South Hackensack properties.
- •Loans over $766,550
- •Excellent credit needed
- •Luxury financing
Current Mortgage Rates in South Hackensack NJ
Rates updated October 2025. Subject to credit approval and market conditions.
South Hackensack NJ Mortgage FAQs
What is the minimum down payment needed in South Hackensack NJ?
FHA loans require 3.5% down ($19,075 on $545K median home), VA loans 0% down for eligible veterans, Conventional loans 3-20% down ($16,350-$109,000 on median). First-time buyers often use FHA or Conventional 3% down programs.
How affordable is South Hackensack compared to other Bergen County towns?
South Hackensack is affordable compared to Bergen County's $749,714 median. With a $545K median home price and 2.62% property tax rate (~$14,279/year), it offers good value for buyers seeking Bergen County schools and location without premium pricing.
What makes South Hackensack attractive to homebuyers?
South Hackensack offers Route 46 commercial corridor access, diverse community, central Bergen County location, proximity to major highways (Routes 46, 80, 95), NYC commute options, and B-rated schools with Bergen County Academies access for qualified students.
What are current mortgage rates in South Hackensack NJ?
Current rates (October 2025): 30-year fixed 6.40%, 15-year fixed 5.65%, FHA 6.125%, VA 6.00%. Actual rates vary based on credit score, down payment, loan amount, and property type. Contact CMG Home Loans NMLS #1577754 for personalized rate quotes.
Ready to Buy a Home in South Hackensack NJ?
Get expert mortgage guidance from a Bergen County broker who understands South Hackensack's market. NMLS #1577754.
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