Home Mortgage Loan Ratesin New Jersey

Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in New Jersey and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.

(Last Updated: 02/21/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.254% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.876 Points$2,803 Points Fee
$4,403 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
1.000 Points$3,200 Points Fee
$4,373 Total Fees$1,173 Lender Fees
 30 Years Fixed
6.398% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.949 Points$3,037 Points Fee
$5,032 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.436% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.635 Points$2,032 Points Fee
$2,032 Total Fees$0 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.869 Points$2,781 Points Fee
$2,781 Total Fees$0 Lender Fees
 30 Years Fixed
6.526% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.958 Points$3,066 Points Fee
$5,066 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.593% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.854 Points$2,733 Points Fee
$3,433 Total Fees$700 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.996 Points$3,187 Points Fee
$3,187 Total Fees$0 Lender Fees
 30 Years Fixed
6.604% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.654 Points$2,093 Points Fee
$3,488 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.620% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.943 Points$3,018 Points Fee
$4,013 Total Fees$995 Lender Fees
 30 Years Fixed
6.675% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.517 Points$1,654 Points Fee
$1,654 Total Fees$0 Lender Fees
 30 Years Fixed
6.782% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.089% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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In New Jersey, home mortgage loan rates fluctuate based on market conditions, borrower creditworthiness, and loan type. Currently, rates may vary for fixed-rate mortgages, adjustable-rate mortgages (ARMs), and refinancing options, reflecting national economic trends and local housing market dynamics. Prospective homebuyers and those looking to refinance in New Jersey should compare rates from multiple lenders to find the best fit for their financial situation and housing needs.