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: 06/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.896% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.527 Points$1,686 Points Fee
$8,886 Total Fees$7,200 Lender Fees
 30 Years FixedFHA Loan
7.047% APR 5.750% Rate 45 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$9,995 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.128% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.578 Points$1,850 Points Fee
$8,500 Total Fees$6,650 Lender Fees
 30 Years FixedFHA Loan
7.295% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.905 Points$2,896 Points Fee
$10,491 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.372% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.916 Points$2,931 Points Fee
$8,531 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.594% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.674 Points$2,157 Points Fee
$7,757 Total Fees$5,600 Lender Fees
 30 Years FixedFHA Loan
7.643% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.998 Points$3,194 Points Fee
$9,494 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
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$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
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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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