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: 12/12/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.772% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.990 Points$3,168 Points Fee
$5,163 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.835% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.767 Points$2,454 Points Fee
$2,953 Total Fees$499 Lender Fees
 30 Years Fixed
5.851% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.775 Points$2,480 Points Fee
$3,530 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.947% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.783 Points$2,506 Points Fee
$2,506 Total Fees$0 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.972% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.610 Points$1,952 Points Fee
$3,347 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.111% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.823 Points$2,634 Points Fee
$3,961 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.116% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.218% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.768 Points$2,458 Points Fee
$3,158 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.944 Points$3,021 Points Fee
$3,021 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.