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: 08/26/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.070% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.121% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.784 Points$2,509 Points Fee
$4,504 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.194% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.731 Points$2,339 Points Fee
$2,339 Total Fees$0 Lender Fees
 30 Years Fixed
6.259% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.810 Points$2,592 Points Fee
$4,592 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.313% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.671 Points$2,147 Points Fee
$2,147 Total Fees$0 Lender Fees
 30 Years Fixed
6.364% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.994 Points$3,181 Points Fee
$3,881 Total Fees$700 Lender Fees
 30 Years Fixed
6.369% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.674 Points$2,157 Points Fee
$4,044 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.471% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.645 Points$2,064 Points Fee
$3,391 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.482% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
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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.