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: 01/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.842% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.726 Points$2,323 Points Fee
$3,023 Total Fees$700 Lender Fees
 30 Years Fixed
6.968% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.946 Points$3,027 Points Fee
$3,027 Total Fees$0 Lender Fees
 30 Years Fixed
7.338% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
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6.744% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.990 Points$3,168 Points Fee
$4,052 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.