Woodbridge Mortgage Loans
At Alpine Mortgage, we provide a variety of mortgage programs in Woodbridge, NJ. As a knowledgeable Woodbridge mortgage lender, our experienced team is ready to assist you through every step of the process of securing a mortgage. With a focus on exceptional service, we provide the personalized attention you’d expect from a local Woodbridge mortgage broker. We can even close your Woodbridge mortgage loan right in the comfort of your own home!
Mortgage Programs in Woodbridge
Home Purchase Loans
Whether you're buying your first home or upgrading to a larger one, we offer financing options to suit your needs.
Refinance Loans
Looking to lower your interest rate or get cash from the equity in your home? We offer refinancing solutions that can help you save money or get cash from your home's equity.
Conventional Loans
Learn about our conventional loan programs in Woodbridge, our most common loan program for borrowers with credit scores above a 620.
Jumbo Loans
If you're purchasing a high-value property in Woodbridge, we offer jumbo loans for homes that exceed conventional loan limits.
FHA Loans
We provide FHA loans in Woodbridge with favorable terms including down payments as low as 3.5% and flexible credit requirements.
VA Loans
We offer VA loans in Woodbridge for veterans and their families with no down payment required.
Non QM Loans
Our Non QM loan programs offer flexible guidelines for borrowers with unique financial circumstances or credit issues such as a recent bankruptcy of foreclosure.
Renovation Loans
Renovation and Rehab loans allow Woodbridge homebuyers and homeowners to finance improvements to their property.
Investment Property Loans
For investors we provide a variety financing options for investment properties.
Reverse Mortgage
For Woodbridge homeowners aged 62 and older, our reverse mortgage options allow you to convert part of your home’s equity into cash while still retaining ownership of your property.
| Loan Type | Min. Credit Score | Min. Down Payment | Occupancy |
|---|---|---|---|
| Conventional | 620 | 3.0% | Primary, Secondary or Investment |
| FHA | 580 | 3.5% | Primary Residence |
| FHA Low Score | 500 | 10% | Primary Residence |
| VA | 620 | None | Primary Residence |
| Non-QM | 500 | 20% | Primary, Secondary or Investment |
Woodbridge Mortgage Rates
View our current Woodbridge Mortgage Rates on our Conventional, FHA and VA loan programs. For rates on our other loan programs such as investment property loan rates, renovation loan rates, reverse mortgage rates or Non QM loan rates, please contact us for a personalized quote.
Woodbridge Mortgage Loan Limits
The 2025 conforming and FHA loan limits for 1-4 unit homes in Woodbridge 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 |
How to Get Preapproved for a Mortgage in Woodbridge
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 Woodbridge mortgage broker specialists.
Why Choose Alpine Mortgage?
- Custom Loan Solutions. No two financial situations are the same. That’s why we have a variety of loan products including Conventional Loans, FHA Loans, VA Loans, Reverse Mortgages and Non-QM Loans. We will find the right mortgage solution for you.
- Competitive Rates. We offer some of the most competitive mortgage rates in the market. Whether you’re looking for a conventional mortgage or a FHA loan we can help you get the best deal with our Best Rate Guarantee.
- Local Expertise. Our loan officers know the Woodbridge area and surrounding neighborhoods inside and out. We know the local market and can help you make smart decisions.
Woodbridge Real Estate Market Overview (2024)
Woodbridge is one of Middlesex County’s most desirable locations due to its proximity to New York City and its vibrant community atmosphere. The real estate market in Woodbridge has experienced steady growth over the past year.
Real Estate Stats for Woodbridge (October 2024)
- Median Home List Price: $525,000 (up 4% from last year)
- Median Sale Price: $550,000 (up 6% year-over-year)
- Price per Square Foot: $325 (up 7% year-over-year)
- Number of Homes for Sale: 75 homes in September 2024
- Days on Market: 38 days on average
Comparison with Nearby Cities:
- Edison: $600,000 (up 5%)
- Metuchen: $675,000 (up 7%)
- Perth Amboy: $425,000 (up 3%)
Woodbridge Mortgage FAQs
The process of getting pre-approved for a mortgage with Alpine Mortgage in Woodbridge, 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 Ridgewood 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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