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: 08/11/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.342% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.356 Points$1,139 Points Fee
$3,134 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.407% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.943 Points$3,018 Points Fee
$5,313 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.450% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.400 Points$1,280 Points Fee
$2,505 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.600 Points$1,920 Points Fee
$3,920 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.496% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.957 Points$3,062 Points Fee
$4,298 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.503% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.752 Points$2,406 Points Fee
$8,606 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.571% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.840 Points$2,688 Points Fee
$2,688 Total Fees$0 Lender Fees
 30 Years Fixed
6.584% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.436 Points$1,395 Points Fee
$2,790 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.709% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.870 Points$2,784 Points Fee
$2,784 Total Fees$0 Lender Fees
 30 Years Fixed
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6.461% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.906 Points$2,899 Points Fee
$2,899 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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.