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: 11/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.809 Points$2,589 Points Fee
$2,589 Total Fees$0 Lender Fees
 30 Years Fixed
5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.740 Points$2,368 Points Fee
$3,168 Total Fees$800 Lender Fees
 30 Years Fixed
5.971% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.413 Points$1,322 Points Fee
$3,317 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.865 Points$2,768 Points Fee
$4,163 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.663 Points$2,122 Points Fee
$2,122 Total Fees$0 Lender Fees
 30 Years Fixed
6.122% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.947 Points$3,030 Points Fee
$4,358 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.217% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.977 Points$3,126 Points Fee
$3,126 Total Fees$0 Lender Fees
 30 Years Fixed
6.234% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.945 Points$3,024 Points Fee
$3,724 Total Fees$700 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.799 Points$2,557 Points Fee
$2,557 Total Fees$0 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.