Mortgage lender in Bergen County, NJ

Buying in Bergen County

Bergen County, with its county seat in Hackensack, takes in Hackensack, Paramus, Fort Lee, Ridgewood, Teaneck, Mahwah and Englewood. Stellar lends across all of New Jersey, and Bergen County files are handled from our Hamilton, NJ office by a licensed officer you can reach directly.

2026 conforming limit

$1,209,750 (high-cost area)

2026 FHA limit

$1,249,125 (one-unit, set by HUD)

Above that

Jumbo pricing

Closing handled by

attorney

State housing agency

NJHMFA (participating lender)

Your office

Hamilton, NJ

2026 limits for a one-unit property. Bergen County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Bergen County sits inside the New York metropolitan high-cost area, so its conforming limit is $1,209,750, the FHFA high-cost limit for this area, rather than the national baseline of $832,750. That matters: a loan that would be jumbo elsewhere in New Jersey can still be a conforming loan here, with conforming pricing and guidelines.

Bergen County: the highest prices in the state and the co-op question

Bergen County is the top of the New Jersey market and the county where the New York high-cost conforming limit matters most. Fort Lee, Edgewater, Cliffside Park and Englewood along the Hudson are dense, with high-rise condominiums and, unusually for New Jersey, a large number of co-operative apartments. Hackensack, Teaneck, Bergenfield and Paramus are the county's core suburbs; Ridgewood, Glen Rock, Wyckoff and Franklin Lakes are the premium school-district towns to the northwest; and Mahwah, Ramsey and Allendale serve the Route 17 and Route 287 commutes toward New York and Rockland County.

Co-ops are the Bergen-specific item. A co-op purchase is a share loan secured by stock and a proprietary lease rather than a mortgage on real estate, the building's board approves the buyer, and not every lender or program finances them. Tell us on the first call if the property is a co-op so we route it correctly. Condominiums, which are far more common, bring association budgets and owner-occupancy ratios into the approval, and buildings along the river may have FHA project approval status that affects which programs are available.

Attorney review follows the signed contract, property taxes are high and vary by municipality, and jumbo loans are routine in the northwestern towns. NJHMFA assistance applies for buyers within the agency's limits. Bergen files are handled from our Hamilton branch by a licensed New Jersey officer, and a Russian-language version of this page is available.

Bergen County by the numbers

Median home value

$623,000 (Census Bureau, ACS 2020–2024, table B25077)

Typical property tax

Median tax bill of $10,000 or more, the highest bracket the Census Bureau reports (Census Bureau, ACS 2020–2024, table B25103)

Transfer tax

Realty Transfer Fee on a graduated schedule per $500 of the price, charged to the seller (New Jersey Division of Taxation)

Largest communities

Hackensack, Teaneck Township, Fort Lee, Fair Lawn (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $623,000. The 2026 one-unit conforming loan limit here is $1,209,750 and the FHA limit is $1,249,125.

Census figures are survey estimates for owner-occupied homes, not appraisals or tax quotes. We use the actual tax bill for the property when we quote.

Closing and programs in New Jersey

Closings in New Jersey are typically handled by an attorney. The closing process, state transfer and recording taxes and first-time buyer programs are covered on the New Jersey page. Property taxes are set locally; we take the figure from the tax record for the address.

Questions Bergen County buyers ask

Conforming limit shown is the 2026 FHFA figure for Bergen County. FHA limits and state agency caps are set by HUD and NJHMFA and change periodically. Verify on the official source. Not a commitment to lend.