Mortgage lender in Union County, NJ

Buying in Union County

Union County, with its county seat in Elizabeth, takes in Elizabeth, Westfield, Cranford, Summit, Union Township, Linden and Plainfield. Stellar lends across all of New Jersey, and Union 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. Union County is designated a high-cost area for conforming loans. Sources: FHFA conforming loan limit values and HUD FHA mortgage limits.

Union 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.

Union County: single-family suburbs and multi-family blocks

Union County packs a lot into a small area: Elizabeth, the county seat, along with Linden, Rahway, Roselle and Plainfield, and the suburban rail towns of Westfield, Cranford, Summit, Scotch Plains and New Providence.

The housing splits the same way. In Elizabeth, Linden, Roselle and Plainfield, two- to four-family homes are common, and buying one to live in is one of the most practical ways into this market: owner-occupant financing applies, and part of the rent from the other units can sometimes be counted toward qualifying, depending on the program. We also check early that the property type fits NJHMFA rules if you are using its assistance. In the single-family towns the question is more often the size of the property tax bill, which we take from the actual tax record for the address. Either way the closing runs through attorneys, with attorney review after the contract is signed.

Union County by the numbers

Median home value

$529,200 (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

Elizabeth, Union Township, Plainfield, Linden (Census Bureau, ACS 2020–2024, table B01003)

The county median home value is $529,200. 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 Union County buyers ask

Conforming limit shown is the 2026 FHFA figure for Union 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.