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: 03/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.646% APR 5.500% Rate 45 day rate lock $1,817 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.811% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.660 Points$2,112 Points Fee
$2,112 Total Fees$0 Lender Fees
 30 Years Fixed
5.863% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.645 Points$2,064 Points Fee
$3,951 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.875% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.743 Points$2,378 Points Fee
$4,373 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.884% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.924 Points$2,957 Points Fee
$9,157 Total Fees$6,200 Lender Fees
 30 Years Fixed
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.810 Points$2,592 Points Fee
$2,592 Total Fees$0 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.540 Points$1,728 Points Fee
$3,728 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.990% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$4,090 Total Fees$2,090 Lender Fees
 30 Years Fixed
6.001% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.926 Points$2,963 Points Fee
$4,358 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.074% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.903 Points$2,890 Points Fee
$2,890 Total Fees$0 Lender Fees
 30 Years Fixed
6.081% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.244% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.899 Points$2,877 Points Fee
$4,204 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.330% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.951 Points$3,043 Points Fee
$3,043 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Numbers you can trust
Veterans: Use your VA benefit to buy with 0% down
5.945% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.754 Points$2,413 Points Fee
$2,413 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.