Home Loans in Freehold Township, New Jersey

Freehold Township is not the Borough — it's the 38-square-mile township that surrounds it: the Route 9 corridor, Freehold Raceway Mall, CentraState Medical Center, and neighborhood after neighborhood of colonials, townhomes, and 55+ communities. A lot of the township's buyers run their own businesses, and their tax returns rarely tell the whole story. Sea View Mortgage is a Monmouth County lender, led by President / Loan Officer Philip Wallace, built for exactly these buyers.

Fast closings. Competitive rates. Easy files and hard ones.

Call (732) 443-4859 or start your pre-approval online today.

Get Pre-Approved Call (732) 443-4859

Why Buyers Choose Freehold Township

Freehold Township (07728) covers about 38.7 square miles of central Monmouth County and is home to roughly 35,500 residents — one of the county's largest suburban communities, wrapping around Freehold Borough and stretching from the Route 9 retail corridor to farmland and county parkland at its edges.

What defines the town:

  • Freehold Raceway Mall — the super-regional mall on Route 9 (3710 US-9) sits in the Township, not the Borough: Macy's, Apple, Primark, Zara, an AMC theatre, and the Route 9 shopping corridor around it make the township the retail center of western Monmouth County.
  • CentraState Medical Center — the 284-bed hospital on West Main Street (Route 537) and its surrounding medical campus are among the township's largest employers, drawing healthcare professionals who buy in the neighborhoods around it.
  • Freehold Township schools — the township runs its own K–8 district (elementary schools including Joseph J. Catena, Marshall W. Errickson, and West Freehold; Clifton T. Barkalow and Dwight D. Eisenhower middle schools), and students attend Freehold Township High School, part of the Freehold Regional High School District.
  • Neighborhoods at every price point — established subdivisions like Stonehurst in the township's east end, the Raintree active-adult community, townhome and condo developments along the Route 9 corridor, and the West Freehold section's mix of older and newer homes. Few Monmouth County towns offer this wide a range in one municipality.
  • Turkey Swamp Park and open space — the Monmouth County park in the township's rural southern end, with camping, a lake, and trails — plus easy access to Routes 9, 33, and 537, the Garden State Parkway, and I-195.

The Freehold Township Market at a Glance

One honest note about Freehold Township numbers: the township shares ZIP code 07728 — and most published market data — with Freehold Borough, so the cleanest current figures describe the wider Freehold area. In that area data, the median sale price was about $773,000 in October 2026, homes were going pending in roughly 26 days, and sellers were getting about 1% above asking price on average. Inside the township, prices spread widely by neighborhood: Realtor.com's neighborhood data put the median list price in Stonehurst around $799,900, while the Raintree 55+ community listed around $427,495 — a spread that tells you more about this township than any single median.

For financing, that range is the story. Freehold Township buyers include first-time purchasers in the condo communities, move-up families in the subdivisions, downsizers in Raintree — and a large population of self-employed buyers and Route 9 business owners whose income doesn't arrive on a W-2. We structure for all of them.

(Market figures: Redfin market data for the Freehold area (ZIP 07728), October 2026; Realtor.com Freehold market and neighborhood data, 2026. Figures change monthly — talk to us about what your price range looks like today.)

Loan Options for Freehold Township Buyers

  • Bank-statement and self-employed programs — Freehold Township is full of business owners, contractors, and professionals whose tax returns are written to minimize taxes, not to maximize borrowing power. We qualify you on 12–24 months of bank statements and your real cash flow.
  • Conventional loans — the workhorse for the township's large mid-range market, from West Freehold to Stonehurst.
  • Jumbo loans — for the township's upper tier: larger colonials and newer construction where the loan amount exceeds the conforming limit.
  • FHA loans — lower down payment options that work well for first-time buyers entering through the township's condo and townhome communities.
  • VA loans — for veterans and active-duty military buying anywhere in the township.
  • Active-adult and downsizing purchases — buying in Raintree or another 55+ community? We handle the purchase — and the sell-and-buy timing that usually comes with it.
  • Refinancing and cash-out — already own in Freehold Township? Ask us whether a refinance, or cash out for renovations, makes sense.

Loan Scenario: A Bank-Statement Purchase in Freehold Township, NJ

Illustrative scenario — the kind of transaction we structure in Freehold Township.

  • The Property: A four-bedroom colonial in the Stonehurst section of Freehold Township, purchased for $925,000 — a move-up from a smaller home in the Freehold area.
  • The Challenge: The buyer owns a successful home-improvement contracting business. Years of legitimate business write-offs — vehicles, equipment, materials — meant his tax returns showed a fraction of the income his business actually generates. Two lenders ran the returns, did the math, and declined him for a home his cash flow supports comfortably.
  • The Sea View Solution: We documented his actual cash flow with 24 months of business bank statements instead of tax returns, verified the business's licenses and longevity, and structured the purchase around the real numbers — no co-borrower gymnastics, no last-minute conditions about income that was documented from day one.
  • The Result: A bank-statement loan structured with 25% down ($231,250) and a loan amount of $693,750, underwritten on documented cash flow and cleared to close in 28 days — for a borrower whose tax returns had already gotten him two no's.

Ready to explore Freehold Township real estate? Whether it's a colonial in Stonehurst, a townhome off Route 9, or a home in Raintree, your financing needs to be rock solid. Talk to a local Sea View Mortgage specialist today to get pre-approved.

Illustrative example based on the kinds of transactions Sea View Mortgage structures in Freehold Township. Not a specific past transaction. All loans subject to credit and property approval.

Why Freehold Township Buyers Choose Sea View Mortgage

  • We close fast. Underwriting and appraisal are handled locally from day one — not queued in a national pipeline — which matters in a market where homes are going pending in under a month.
  • Competitive rates, without the big-bank runaround. Pricing that competes with the national names, and a loan officer who answers the phone — not a call center.
  • Easy files and hard ones. Self-employed income that tax returns understate, sell-and-buy timing, a deal another lender already turned down — hard transactions are where a local lender earns it. If there's a way to structure it, we'll find it.
  • Local, not a call center. We're a Monmouth County mortgage company. We know Freehold Township's neighborhoods from Stonehurst to West Freehold, its tax structure, and the realtors and attorneys your transaction will involve — and we know it's not the Borough.
  • You work with the owner. Philip Wallace, President / Loan Officer (NMLS #404069), still originates loans personally — your file isn't handed off to a stranger.
  • Pre-approvals that hold up. We verify income, assets, and credit up front — for self-employed buyers, that means documented cash flow, reviewed before you offer — so your pre-approval survives underwriting, not just the first phone call.

Get Started

Buying in Freehold Township? The strongest first step is a real pre-approval — before you tour, before you offer.

Call Philip Wallace at (732) 443-4859 or start your pre-approval online.

Frequently Asked Questions

Is Freehold Township different from Freehold Borough?

Yes — they're separate municipalities with separate governments and schools, and they share a ZIP code (07728), which is why market data often blends them. The Borough is the historic county seat with older housing stock. The Township is the larger suburban community around it — the Route 9 corridor, Freehold Raceway Mall, CentraState Medical Center, and most of the area's subdivisions and condo communities are in the Township. This page is about the Township; we have a separate page for the Borough.

I'm self-employed. Can I buy in Freehold Township without two years of tax returns telling the story?

Very likely. Bank-statement programs qualify you on 12–24 months of business or personal bank statements — your documented cash flow — instead of the net income on your tax returns. Business owners, contractors, and professionals with heavy write-offs are exactly who these programs are built for.

What schools do Freehold Township homes feed into?

The township has its own K–8 district — elementary schools including Joseph J. Catena, Marshall W. Errickson, and West Freehold, and the Clifton T. Barkalow and Dwight D. Eisenhower middle schools. High school students attend Freehold Township High School, part of the Freehold Regional High School District. (Borough students attend Freehold Borough High School — a different school in the same regional district.)

How much are property taxes in Freehold Township?

The township's effective tax rate is about 1.74%, with a median tax bill around $11,900 a year. Your exact bill depends on the home's assessment — we map your real escrows on day one so your monthly payment estimate is real, not a guess.

How much do I need for a down payment on a Freehold Township home?

It depends on the loan program. Conventional loans can start as low as 3% down for qualified buyers, FHA at 3.5%, and VA loans offer 0% down for eligible veterans. Bank-statement loans typically require a larger down payment — 20–25% is common. We'll run your exact numbers for the neighborhood and price range you're targeting.

Sea View Mortgage — Philip Wallace, President / Loan Officer, NMLS #404069
Phone: (732) 443-4859

Equal Housing Lender. This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site. Loans are arranged through third-party lenders. All loans subject to credit and property approval. This is not a commitment to lend.