FHA 203k & Renovation Loans in Hunterdon County, NJ

Jeff Onofrio helps Hunterdon County buyers in Flemington, Clinton and Lambertville finance renovations and rural-home rehabs with one loan.

Free Hunterdon County Consultation → 📞 856-446-8484

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

Hunterdon 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 — Hunterdon 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 Hunterdon County, NJ — What You Need to Know

Hunterdon County is a scenic, semi-rural market — historic Flemington and Lambertville, charming Clinton, and rolling countryside dotted with older farmhouses and character homes. Many of these properties need updating, and ceiling-level FHA limits give buyers room for substantial renovation work.

Jeff has the experience to handle older and rural-home projects, structuring renovation loans to cover systems, structure and modernization. Hunterdon County buyers get a specialist who answers the phone himself and manages every detail.

Renovation Loan Programs Available in Hunterdon 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 Hunterdon County.

FHA • Streamlined

FHA 203k Limited

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

Conventional

HomeStyle Renovation

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

Conventional

CHOICERenovation

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

VA • Veterans

VA Renovation Loan

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

Towns We Serve in Hunterdon County, NJ

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

Flemington
Clinton
Lambertville
Raritan Township

How the Renovation Loan Process Works in Hunterdon 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 Hunterdon County.
Find a property: Work with your Realtor to identify Hunterdon 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 Hunterdon County Renovation Loan Consultation?

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

Get My Free Consultation → 📞 856-446-8484