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South Jersey · New JerseyMortgage lender in Camden County, NJ
Yes. Stellar Mortgage Corporation, NMLS #2190975, is licensed in New Jersey and makes purchase and refinance loans in Camden County: conventional, FHA, VA, USDA, jumbo and non-QM. Files are handled from our Hamilton, NJ office by a licensed loan officer you can reach directly. For 2026 the one-unit conforming loan limit here is $832,750 and the FHA limit is $630,200.
Reviewed by Steve Umansky, Sr. Branch Manager, NMLS #61764,
From Camden to Pennsauken: what changes locally, what does not, and how to find out in fifteen minutes what you actually qualify for.
Buying in Camden County
Camden County, with its county seat in Camden, takes in Cherry Hill, Camden, Voorhees, Haddonfield, Collingswood, Gloucester Township and Pennsauken. Stellar lends across all of New Jersey, and Camden County files are handled from our Hamilton, NJ office by a licensed officer you can reach directly.
- 2026 conforming limit
- $832,750
- 2026 FHA limit
- $630,200 (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. Camden County is not designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.
The 2026 baseline conforming limit is $832,750 nationally, and that is the figure that applies in Camden County. Loans above it are jumbo, which means tighter reserves and different pricing.
Camden County: Cherry Hill, the PATCO towns and a two-office market
Camden County is the center of South Jersey's Philadelphia suburbs and, unusually, is close to both of our offices: our Hamilton branch up Route 206 and I-295, and our Southampton head office across the Tacony-Palmyra or Betsy Ross bridges. Cherry Hill, Voorhees, Haddonfield and Haddon Township are the county's established suburbs with strong schools and prices to match. Collingswood, Audubon, Oaklyn and Westmont along the PATCO line are walkable older towns popular with Center City commuters. Gloucester Township, Winslow, Pine Hill and Lindenwold are the county's most affordable single-family inventory, and the city of Camden has its own redevelopment and assistance programs.
Camden County is part of the Philadelphia metropolitan area, so its conforming limit is the national baseline rather than the New York ceiling, and most purchases here fit comfortably within it. Older housing in Collingswood, Haddon Heights and the river towns brings the same condition and lead paint items an FHA appraiser looks for in Philadelphia. The eastern Pinelands townships of Winslow and Waterford have well and septic properties and some addresses inside USDA's eligible area.
Attorney review follows the signed contract in New Jersey, and NJHMFA assistance pairs with FHA, VA, USDA and conventional loans for buyers within the agency's limits. Files are handled by a licensed New Jersey officer from our Hamilton branch, and Elmer Perez serves Camden County buyers in Spanish; a Spanish-language version of this page is available.
Camden County by the numbers
- Median home value
- $287,100 (Census Bureau, ACS 2020–2024, table B25077)
- Typical property tax
- About 2.83% of home value a year: median tax bill $8,134 on a median value of $287,100 (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
- Cherry Hill Township, Camden, Gloucester Township, Sicklerville (Census Bureau, ACS 2020–2024, table B01003)
The county median home value is $287,100. The 2026 one-unit conforming loan limit here is $832,750 and the FHA limit is $630,200.
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 Camden County buyers ask
Does Stellar Mortgage lend in Camden County, NJ?
Yes. Stellar Mortgage Corporation is licensed in New Jersey and lends in all 21 counties, including Camden County. Our New Jersey office is in Hamilton, Mercer County, and every file is handled by a licensed loan officer with a direct line.
What is the 2026 conforming loan limit in Camden County?
For 2026 the one-unit conforming limit in Camden County is $832,750, the FHFA baseline. Loans above that are jumbo, which brings tighter reserve and credit requirements. FHA limits are set separately by HUD and are usually lower; we check both for the property address before quoting.
Is there down payment assistance for first-time buyers in Camden County?
NJHMFA, the state housing agency, offers first mortgages paired with down payment and closing cost assistance for eligible New Jersey buyers, and Stellar is an approved NJHMFA lender. Income and purchase price limits are set by county and change periodically, so we confirm the current Camden County figures on your file rather than quoting them here. Some counties and municipalities run their own programs as well; ask your officer what is funded right now.
How fast can I get pre-approved to buy in Camden County?
Once we have your application, credit, and the documents on our checklist, most buyers have a letter within one to two business days. If you have already found a home in Cherry Hill or anywhere else in Camden County and are writing an offer, tell us on the form and we prioritize the file.
What is the 2026 FHA loan limit in Camden County?
For 2026 the FHA limit for a one-unit home in Camden County is $630,200, set by HUD. The conforming loan limit is $832,750. Limits for two- to four-unit properties are higher.
Who pays the transfer tax in Camden County?
The Realty Transfer Fee is the seller’s responsibility by statute. It is calculated on a graduated schedule per $500 of the sale price. A separate graduated fee on certain sales above $1 million is also the seller’s.
Conforming limit shown is the 2026 FHFA figure for Camden 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.
Get pre-approved in Camden County
Three quick steps, about a minute. No Social Security number, no pay stubs. A licensed officer from our Hamilton office calls you back, usually the same business day.
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