Home Mortgage Loan Ratesin New Jersey

Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. 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: 05/24/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.291% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$9,995 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.451% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.443 Points$1,418 Points Fee
$7,018 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.726% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.888 Points$2,842 Points Fee
$8,442 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.872% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.824 Points$2,637 Points Fee
$8,937 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
As low as 0% down options & down payment assistance
$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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