FHA 203k & Renovation Loans in Bergen County, NJ

Jeff Onofrio helps Bergen County buyers across Hackensack, Ridgewood, Fort Lee and beyond finance renovations with one loan and New Jersey's highest FHA limits.

Free Bergen County Consultation → 📞 856-446-8484

⭐ North Jersey Advantage — Higher FHA Loan Limits in Bergen County

Bergen County buyers benefit from New Jersey's highest FHA loan limits — giving you more purchasing power for renovation projects. Conventional HomeStyle and CHOICERenovation loans are also excellent options here to avoid FHA mortgage insurance.

2026 FHA Loan Limits — Bergen County, NJ

FHA 203k (1-unit)$1,249,125

FHA 203k (2-unit)$1,599,375

FHA 203k (3-unit)$1,933,200

FHA 203k (4-unit)$2,402,625

HomeStyle / CHOICERenovationUp to 75% ARV

VA Renovation (veterans)No county limit

Renovation Loans in Bergen County, NJ — What You Need to Know

Bergen County is New Jersey's most populous county, a deep market of older urban centers and sought-after suburbs from Ridgewood and Teaneck to Englewood and Fort Lee. With ceiling-level FHA loan limits, buyers here can take on substantial renovation projects — even in the county's higher-priced towns.

Jeff brings 20+ years of renovation expertise to Bergen County, matching buyers with FHA 203k, HomeStyle, CHOICERenovation or VA renovation financing. From dated splits to condos that need work, he guides each transaction from pre-qual to the final inspection.

Renovation Loan Programs Available in Bergen County

FHA • Gov't Backed

FHA 203k Full

Major renovations, structural work, gut rehabs. 3.5% down. Perfect for foreclosures and serious fixer-uppers in Bergen County.

FHA • Streamlined

FHA 203k Limited

Up to $75,000 in non-structural updates. Kitchens, baths, HVAC, roofing. Faster Bergen County closings, no HUD consultant required.

Conventional

HomeStyle Renovation

Fannie Mae conventional renovation loan. No FHA mortgage insurance for qualifying Bergen County buyers. Works for investment properties too.

Conventional

CHOICERenovation

Freddie Mac's flexible renovation program. Great for Bergen County buyers who want conventional financing with renovation built in.

VA • Veterans

VA Renovation Loan

Zero down renovation financing for eligible Bergen County veterans. Buy and renovate with no down payment required.

Towns We Serve in Bergen County, NJ

Jeff finances renovation loans in every Bergen County community. Explore a few of the local markets below — or call for any town not listed.

Hackensack
Ridgewood
Fort Lee
Englewood
Teaneck
Glen Rock
Paramus
Fair Lawn
Bergenfield

How the Renovation Loan Process Works in Bergen County

A renovation loan has a few more steps than a standard mortgage — but with an experienced specialist like Jeff guiding the transaction, every stage is managed smoothly:

Pre-qualification: Get your total budget — purchase price plus renovation — confirmed before you start shopping in Bergen County.
Find a property: Work with your Realtor to identify Bergen County properties with renovation potential. Fixer-uppers in great locations are often the best opportunity.
Contractor bids: Licensed NJ contractors scope the renovation and provide written estimates for the loan file.
Appraisal: The property is appraised on its after-renovation value — what it will be worth once improvements are complete.
Close and renovate: Funds go into escrow at closing. Contractors are paid in draws as work is completed. You move in when renovations are done.

Ready for a Free Bergen County Renovation Loan Consultation?

Jeff answers every call personally. No call centers, no runaround — just honest answers about your Bergen County renovation loan options.

Get My Free Consultation → 📞 856-446-8484