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: 01/28/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.368% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.751 Points$2,403 Points Fee
$4,003 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.488% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$3,973 Total Fees$1,173 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.950 Points$3,040 Points Fee
$4,090 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.556% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.685 Points$2,192 Points Fee
$2,192 Total Fees$0 Lender Fees
 30 Years Fixed
6.581% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.843 Points$2,698 Points Fee
$2,698 Total Fees$0 Lender Fees
 30 Years Fixed
6.635% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.973 Points$3,114 Points Fee
$4,509 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.680% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.564 Points$1,805 Points Fee
$1,805 Total Fees$0 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.762 Points$2,438 Points Fee
$3,433 Total Fees$995 Lender Fees
 30 Years Fixed
6.731% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.881 Points$2,819 Points Fee
$3,519 Total Fees$700 Lender Fees
 30 Years Fixed
7.313% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
6.731% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.854 Points$2,733 Points Fee
$3,617 Total Fees$884 Lender Fees
 30 Years Fixed
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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.