Clifton Mortgage Loans
Alpine Mortgage works with homebuyers, homeowners, and real estate investors throughout Clifton, NJ. As an independent wholesale broker rather than a retail bank, we shop your loan across multiple wholesale lenders to find competitive pricing on conventional, FHA, VA, jumbo, DSCR, and Non-QM programs. We also offer the convenience of closing your Clifton refinance at home.
Clifton Mortgage Loan Programs
The full range of residential loan programs is available to Clifton borrowers. For program details, follow any of the links below.
Clifton Mortgage Rates
View our current Clifton Mortgage Rates on our Conventional, FHA and VA loan programs. For rates on our other loan programs in Clifton such as investment property DSCR loan rates, renovation loan rates, reverse mortgage rates or Non QM loan rates, please contact us for a quote.
Clifton Mortgage Loan Limits
Clifton is in Passaic County, which qualifies as a high cost county under the 2026 FHFA and HUD limits. Passaic County borrowers can access higher conforming and FHA loan amounts than borrowers in standard limit New Jersey counties. The 2026 limits for 1 to 4 unit properties in Clifton are:
| No. of Units | Conforming Loan Limit | FHA Loan Limit |
|---|---|---|
| 1 Unit | $1,209,750 | $1,209,750 |
| 2 Units | $1,548,975 | $1,548,975 |
| 3 Units | $1,872,225 | $1,872,225 |
| 4 Units | $2,326,875 | $2,326,875 |
Loan amounts above $1,209,750 for a 1 unit property require jumbo financing, which Alpine offers. For full NJ county loan limits, see the 2026 New Jersey conforming loan limits and NJ FHA loan limits.
How to Get Preapproved for a Mortgage in Clifton
Getting pre-approved is easy with our online application. For more information on our home loan programs, you can contact us at (800) 876-5626 to speak to one of our Clifton mortgage broker specialists.
About Buying or Refinancing in Clifton
Clifton is one of the largest cities in New Jersey and the third largest in Passaic County. Its location, roughly 12 miles west of Manhattan and bordered by Routes 3, 46, 21, and the Garden State Parkway, makes it one of the most accessible commuter markets in northern New Jersey. NJ Transit's Main Line runs through the city with two stations (Clifton and Delawanna) providing direct rail service to Hoboken and connections to New York Penn Station.
The Clifton housing market spans a wide range of property types and price points across distinct neighborhoods including Allwood, Athenia, Botany Village, Lakeview, Delawanna, Richfield, Albion Place, and Montclair Heights. Housing stock includes mid-century single family colonials, two family homes (which qualify as residential under conventional and FHA underwriting), townhomes and condominiums.
Common scenarios Alpine Mortgage handles for Clifton borrowers:
- First-time homebuyers using FHA (3.5% down, FICO from 580) or conventional 3% down programs
- Two-family and multi-family financing for owner occupants and investors which qualifies as residential up to 4 units
- Refinance and cash out for Clifton homeowners taking advantage of equity gains, with closing at home available
- DSCR investment loans for landlords purchasing Clifton rental properties, qualifying on rental income rather than personal income
- Renovation loans for buyers of older Clifton housing stock requiring upgrades, financing the purchase and renovation in a single loan
One Clifton consideration: Passaic County property taxes are among the higher rates in New Jersey which affects debt-to-income calculations on mortgage qualification. Alpine Mortgage accounts for full PITI (principal, interest, taxes, insurance) when running pre-approval scenarios to make sure your approval amount accurately reflects what you can carry month-to-month.
Clifton Mortgage FAQs
The process of getting pre-approved for a mortgage with Alpine Mortgage in Clifton, NJ is designed to be quick and efficient. Typically, it takes less than 1 business day to receive a pre-approval decision after submitting your application, provided all necessary documents are submitted upfront and no additional information is required.
You can start by filling out our secure online application or contacting one of our experienced loan officers directly. We’ll guide you through each step, from pre-approval to closing, ensuring a smooth and stress-free experience. If you have any more questions about mortgages in Clifton or want personalized advice, feel free to contact Alpine Mortgage today! We're here to help make your homeownership dreams come true.
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