How much house can you afford in Jersey City? See your maximum price, monthly payment and pre-approval estimate. Free, instant, no credit check.
Updated · current rates and lending limits
Add your partner's income if you're buying together.
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Enter your yearly household income.
Savings and gifts from family count. Many first-time buyer loans need just 3% down; under 20% you pay mortgage insurance.
7.40% (Freddie Mac 30-year average, October 2026). Change it if you've been quoted a rate.
Enter your down payment.
| After | Paid in total | Still owed |
|---|
Asset Based Lending
4.0 · 123 reviews · Free pre-approval
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COREY JONES, COLDWELL BANKER
5.0 · 68 reviews · Free pre-approval
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LIGHTNING MORTGAGE INC
5.0 · 51 reviews · Free pre-approval
Get pre-approved →
An estimate, not a mortgage approval or pre-approval. A mortgage broker confirms your real number.
Ranked by TrustAnalytica from verified reviews · see the full Top 10 list →
Asset Based Lending focuses on asset-based and DSCR loans, offering quick and professional service for investors and borrowers. The team is known for clear communication and helpful guidance, especially for first-time investors, though some clients have noted occasional delays and communication challenges during closing.
Corey Jones, Coldwell Banker focuses on guiding clients through New Jersey’s real estate market with a data-driven approach and deep local knowledge. The team assists buyers and sellers across multiple counties, providing clear communication and steady support throughout the process. Customers appreciate their responsiveness and expertise, though some note the market’s challenges can affect… more...
Corey Jones, Coldwell Banker focuses on guiding clients through New Jersey’s real estate market with a data-driven approach and deep local knowledge. The team assists buyers and sellers across multiple counties, providing clear communication and steady support throughout the process. Customers appreciate their responsiveness and expertise, though some note the market’s challenges can affect timing.
Known for fast approvals and a personalized approach, Lightning Mortgage guides clients through home buying and refinancing with clear communication and local expertise. The team assists with loan options, pre-approvals, and closing details, helping both first-time buyers and experienced homeowners. Clients appreciate their support and timely updates throughout the process.
Alterra Home Loans focuses on personalized mortgage services, aiming to guide clients smoothly through the homebuying process. The team offers a range of loan options and works closely with customers to meet their individual needs. While many appreciate the attentive service, experiences can vary from one client to another.
Known for clear communication and patient guidance, Johnny Tsu @ Exponential Mortgage helps clients navigate complex loan processes with transparency and professionalism. The team assists with mortgage loans and refinancing, consistently providing timely responses and straightforward explanations that many find reassuring throughout each step.
PRMG focuses on helping clients navigate the home-buying process with attentive support and clear communication. The team offers mortgage brokerage services aimed at securing suitable financing options. Customers appreciate the helpfulness and responsiveness, though detailed service aspects are less frequently mentioned.
Oqvest specializes in home loans tailored for real estate investors, offering programs that support fix-and-flips, construction projects, and rental properties. The team provides flexible terms like high loan-to-value ratios and no income verification, with a focus on fast approvals and clear communication. Customers appreciate their organized approach and smooth, transparent process.
Lenders made 4,027 home-purchase loans in Hudson County in 2025 (average about $701,000) and denied 699 — 15% of decided applications, compared with 11% across New Jersey, according to federal mortgage data (HMDA, CFPB). In Jersey City, the median home is worth $566,900 and 68% of owners have a mortgage, paying a median $3,291 a month (Census ACS 2020–2024).
Source: CFPB / FFIEC Home Mortgage Disclosure Act (HMDA) data, 2024–2025 loan applications in Hudson County (originated vs denied); home values and costs: U.S. Census Bureau ACS 2020–2024. Compiled by TrustAnalytica.
| # | Business | Rating | Reviews | Starting price | Phone | Website |
|---|---|---|---|---|---|---|
| 1 | Asset Based Lending | 4.0 | 123 | Quoted per loan | (201) 380-8873 | Visit |
| 2 | COREY JONES, COLDWELL BANKER | 5.0 | 68 | $30 | (908) 337-1541 | Visit |
| 3 | LIGHTNING MORTGAGE INC | 5.0 | 51 | Quoted per loan | — | Visit |
| 4 | Alterra Home Loans | 4.9 | 34 | — | (877) 845-4805 | Visit |
| 5 | Johnny Tsu @ Exponential Mortgage | 5.0 | 30 | — | (917) 567-4110 | Visit |
| 6 | PRMG | 4.8 | 29 | — | (551) 213-7285 | Visit |
| 7 | Oqvest | 5.0 | 24 | — | (551) 225-0733 | Visit |
| 8 | Xu Han | 5.0 | 1 | — | (917) 412-7485 | Visit |
Lenders look at your debt-to-income ratio. Housing costs (principal and interest, property tax, homeowners insurance and mortgage insurance) should stay under about 31% of your gross monthly income, and housing plus your other monthly debts under 43%. The calculator finds the highest home price that passes both tests with your down payment, on a 30-year fixed loan.
An estimate, not a mortgage approval or pre-approval. Your credit, income type, the property and the lender all change the answer; a mortgage broker confirms your real number. Sources: Freddie Mac Primary Mortgage Market Survey (October 2026), U.S. Census Bureau American Community Survey 2024 property tax data, FHA and CFPB debt-to-income guidance.
General information, not financial advice — consult a qualified professional.