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: 11/17/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.862% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.900 Points$2,880 Points Fee
$3,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.893% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.941 Points$3,011 Points Fee
$5,006 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.951% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.821 Points$2,627 Points Fee
$2,627 Total Fees$0 Lender Fees
 30 Years Fixed
5.961% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.934 Points$2,989 Points Fee
$2,989 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
6.052% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.671 Points$2,147 Points Fee
$2,147 Total Fees$0 Lender Fees
 30 Years Fixed
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
6.120% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.804 Points$2,573 Points Fee
$4,460 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.124% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.970 Points$3,104 Points Fee
$4,432 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.229% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.894 Points$2,861 Points Fee
$3,561 Total Fees$700 Lender Fees
 30 Years Fixed
$0 down payment for Veterans homebuying with a VA Loan
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.752 Points$2,406 Points Fee
$2,406 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.