FHA 203k & Renovation Loans in Egg Harbor Township, NJ

Jeff Onofrio helps Egg Harbor Township buyers finance renovations and repairs with a single loan.

Free Egg Harbor Township Consultation → 📞 856-446-8484

2026 FHA Loan Limits — Atlantic County, NJ

FHA 203k (1-unit)$730,250

FHA 203k (2-unit)$934,850

FHA 203k (3-unit)$1,130,000

FHA 203k (4-unit)$1,404,350

HomeStyle / CHOICERenovationUp to 75% ARV

VA Renovation (veterans)No county limit

Atlantic County is in the Atlantic City MSA FHA tier, set higher to reflect shore-market prices. Figures are 2026 HUD limits and update annually — contact Jeff at 856-446-8484 for the exact figure on your purchase.

Renovation Loans in Egg Harbor Township, NJ — What You Need to Know

Egg Harbor Township is one of Atlantic County's largest and most popular suburbs, with a deep inventory of family homes near the shore. Many are great renovation candidates, and the county's intermediate FHA limits support meaningful update budgets.

Jeff matches Egg Harbor Township buyers with the right renovation program and manages the project personally, from scoping the work to releasing the final draw.

Renovation Loan Programs Available in Egg Harbor Township

FHA • Gov't Backed

FHA 203k Full

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

FHA • Streamlined

FHA 203k Limited

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

Conventional

HomeStyle Renovation

Fannie Mae conventional renovation loan. No FHA mortgage insurance for qualifying Egg Harbor Township buyers. Works for investment properties too.

Conventional

CHOICERenovation

Freddie Mac's flexible renovation program. Great for Egg Harbor Township buyers who want conventional financing with renovation built in.

VA • Veterans

VA Renovation Loan

Zero down renovation financing for eligible Egg Harbor Township veterans. Buy and renovate with no down payment required.

How the Renovation Loan Process Works in Egg Harbor Township

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 Egg Harbor Township.
Find a property: Work with your Realtor to identify Egg Harbor Township 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 Egg Harbor Township Renovation Loan Consultation?

Jeff answers every call personally. No call centers, no runaround — just honest answers about your Egg Harbor Township renovation loan options.

Get My Free Consultation → 📞 856-446-8484