FHA loans · Burlington County
FHA Loans in Burlington County, NJ
Government-insured home loans with flexible credit guidelines, for first-time and repeat buyers across Burlington County, explained in plain English.
How FHA works here
FHA loans are insured by the Federal Housing Administration, part of HUD. They have flexible credit guidelines, allow gift funds, and include mortgage insurance premiums. HUD sets FHA loan limits each year by county; Burlington County is in the Philadelphia-Camden-Wilmington metro area, so check the current limit with the HUD FHA loan limit lookup. See my full FHA loan guide for the details.
Older homes in the river towns
In older communities like Burlington City, Riverside, Florence, Roebling, Bordentown and Mount Holly, the FHA appraisal checks minimum property standards: peeling paint on pre-1978 homes, roofs, heating and safety items. Some repairs may need to be finished before closing. For homes that need more work, an FHA 203(k) rehab loan can roll eligible repairs into the mortgage.
Condos and townhouses in the suburbs
In Mount Laurel, Marlton, Lumberton and Willingboro you will find many townhouse and condo communities. A condo needs FHA project approval or a single-unit approval, and HOA dues count in your monthly cost. Send me the community name early and I will check it.
FHA and upfront costs
Some down payment assistance options through select lending partners may work with FHA loans for eligible buyers. I can review them with you. See first-time buyer loans and NJ down payment assistance and the free NJ First-Time Homebuyer Guide.
Rural addresses: compare USDA too
Parts of Pemberton, Southampton, Tabernacle and other rural townships may qualify for a USDA loan. Check the USDA eligibility map for the address and we can compare USDA, FHA and conventional side by side. Veterans should also compare VA loans.
Sources: HUD: FHA loans · HUD FHA loan limit lookup
Loans by Hutch and NEXA Mortgage, LLC dba NEXA Lending are not affiliated with or endorsed by the U.S. Department of Veterans Affairs, HUD/FHA, the Department of Defense, Joint Base McGuire-Dix-Lakehurst, or any government agency. All loans subject to credit approval, property eligibility and lender guidelines.
David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity
FAQ
Common questions
What is the FHA loan limit in Burlington County?
HUD sets FHA limits each year by county. Burlington County is part of the Philadelphia-Camden-Wilmington metro area, so it shares that area's limit. Check the current figure on HUD's FHA loan limit lookup or ask me.
Can I use FHA for a condo or townhouse?
Yes, if the condo project is FHA-approved or the unit qualifies for a single-unit approval. Many townhouses are fee-simple and do not need condo approval. I check this early.
Can I combine FHA with NJ down payment assistance?
Sometimes. Some options through select lending partners can be paired with FHA financing; I can review what may fit.
Can a family member co-sign on an FHA loan?
FHA allows an eligible non-occupant co-borrower, such as a relative, in many cases. Lender guidelines apply.
Loans by Hutch and NEXA Mortgage, LLC dba NEXA Lending are not affiliated with or endorsed by HUD, FHA, VA, USDA, or any government agency. Program details summarized from official sources and subject to change.
FHA mortgage broker in Burlington County
I compare FHA loans from multiple wholesale lenders through NEXA Lending for buyers in Medford, Mount Laurel, Willingboro, Pemberton and across Burlington County, and pair them with NJ down payment help when buyers qualify. Learn more about working with a mortgage broker in Burlington County.
Why a mortgage broker? What credit overlays are and why lender choice matters →
David J. Hutchison II, NMLS #63021 · NEXA Mortgage, LLC dba NEXA Lending, Company NMLS #1660690 · Equal Housing Opportunity
Next step
Let's talk through your options
No credit pull and no Social Security number, just a conversation. I'll compare lenders and explain everything in plain English.
Quick quote
Buying with FHA in Burlington County? Fill out the form here
Share a few details and I'll reach out, usually the same business day, to talk through options. This is a conversation, not an application — no Social Security number and no credit pull.
- Call/Text(609) 665-3460
- Emaildhutch@nexalending.com
- NMLS#63021
Last updated Oct 2026