FHA Loans in New Jersey, Pennsylvania & Florida
FHA loans make homeownership accessible with low down payments and flexible credit requirements. Ai Remco LLC helps first-time buyers and those rebuilding credit reach their goals.
Low down payment
Down payment requirements differ by program, borrower eligibility and lender requirements. The minimum that applies to you depends on your credit profile.
Flexible credit
FHA accepts credit profiles that many conventional programs will not. Minimums are set by FHA and by the lender.
Competitive rates
Compare the full cost, including mortgage insurance and fees.
Seller contributions
FHA allows a seller to contribute toward your closing costs, within limits FHA sets.
What is an FHA loan?
FHA loans are insured by the Federal Housing Administration, part of HUD. That government backing lets lenders offer more favorable terms than many conventional loans.
Created in 1934 to make homeownership accessible, FHA remains one of the most popular programs for first-time buyers and anyone with limited savings or imperfect credit.
FHA mortgage insurance
FHA loans require mortgage insurance: an upfront premium (UFMIP), which can usually be financed into the loan, plus an annual premium (MIP) collected monthly. Both are set by FHA and vary with the loan term, the loan amount and the down payment.
FHA loan limits by county
Limits vary by county and are updated annually. In high-cost areas — including parts of NJ and coastal FL — limits can exceed $1 million. We help you determine the limit for your county.
FHA requirements & who benefits
Basic requirements
- A minimum credit score set by FHA and by the lender; a lower score may still qualify with a larger down payment
- Typically a 2-year steady employment history
- Property must be your primary residence
- Property must meet FHA minimum standards
- DTI generally below 43%
- Mortgage insurance premium (MIP) required
Who benefits from FHA
- First-time buyers with limited savings
- Buyers rebuilding credit after bankruptcy or foreclosure
- Borrowers with higher debt-to-income ratios
- Buyers using gift funds for the down payment
- Homeowners refinancing with FHA Streamline
Questions, answered
New Jersey counties where borrowers use this program
Ai Remco LLC is a licensed New Jersey mortgage broker serving borrowers throughout the state. These county pages explain how this program fits local property types, price ranges and municipalities.
- Mortgage broker in Warren County, NJ
Useful on older river-town housing and for buyers with a shorter credit history or a smaller down payment.
- Mortgage broker in Hunterdon County, NJ
An option in Flemington, High Bridge and other in-town markets.
- Mortgage broker in Morris County, NJ
Used in Dover, Wharton, Netcong and other more affordable parts of the county.
- Mortgage broker in Somerset County, NJ
A lower-down-payment route in the county's borough markets.
- Mortgage broker in Sussex County, NJ
Helpful on older lake-area housing and for smaller down payments.
- Mortgage broker in Essex County, NJ
Heavily used across Newark, Irvington, East Orange and Bloomfield, including owner-occupied multi-unit purchases.
- Mortgage broker in Union County, NJ
Heavily used in Elizabeth, Roselle, Linden and Plainfield, including owner-occupied multi-unit purchases.
- Mortgage broker in Bergen County, NJ
Useful in Hackensack, Bergenfield, Lodi and Garfield-area purchases.
- Mortgage broker in Middlesex County, NJ
Widely used in Perth Amboy, Carteret, New Brunswick and Sayreville purchases.
- Mortgage broker in Monmouth County, NJ
Widely used in Long Branch, Neptune, Keansburg and the bayshore towns.
- Mortgage broker in Ocean County, NJ
Widely used across the county's year-round markets and in Lakewood.
- Mortgage broker in Hudson County, NJ
Used in Bayonne, Union City, West New York and North Bergen, including owner-occupied multi-unit purchases.
- Mortgage broker in Passaic County, NJ
Heavily used in Paterson, Passaic City and Clifton, including owner-occupied multi-unit purchases.
- Mortgage broker in Mercer County, NJ
Practical in Trenton, Ewing and Hightstown.
- Mortgage broker in Burlington County, NJ
Common in Willingboro, Pemberton and Burlington City-area purchases.
- Mortgage broker in Camden County, NJ
Widely used across Camden City, Pennsauken, Gloucester Township and the older river towns.
- Mortgage broker in Gloucester County, NJ
Practical in Woodbury, Deptford and Williamstown.
- Mortgage broker in Atlantic County, NJ
Common in Pleasantville, Egg Harbor Township and Absecon.
- Mortgage broker in Cumberland County, NJ
Low down payment and flexible credit for Vineland, Millville and Bridgeton.
- Mortgage broker in Salem County, NJ
A flexible option in Pennsville, Carneys Point and Salem City.
See the full New Jersey mortgage broker hub for all 21 counties.
Ready to apply for an FHA loan?
Get a personalized FHA estimate, or talk to a licensed loan officer serving NJ, PA, and FL.
Ai Remco LLC, NMLS #2560393. Licensed mortgage broker. This page is for general information only and is not a commitment to lend. All loan applications are subject to credit approval, property appraisal, income and employment verification, and underwriting. Rates, terms, and availability are subject to change without notice and vary by borrower. Equal Housing Opportunity. See our Licensing & Disclosures page.