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: 08/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.804% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
0.750 Points$2,400 Points Fee
$9,995 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
6.932% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.829 Points$2,653 Points Fee
$10,248 Total Fees$7,595 Lender Fees
 30 Years FixedFHA Loan
7.288% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.832 Points$2,662 Points Fee
$10,262 Total Fees$7,600 Lender Fees
 30 Years FixedFHA Loan
7.377% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.756 Points$2,419 Points Fee
$8,719 Total Fees$6,300 Lender Fees
 30 Years FixedFHA Loan
Numbers you can trust
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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