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: 09/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.335% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.276 Points$883 Points Fee
$2,878 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.338% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.371% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.998 Points$3,194 Points Fee
$8,756 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.475% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.925 Points$2,960 Points Fee
$3,501 Total Fees$541 Lender Fees
 30 Years Fixed
6.485% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.565% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.528 Points$1,690 Points Fee
$2,485 Total Fees$795 Lender Fees
 30 Years Fixed
6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.965 Points$3,088 Points Fee
$3,088 Total Fees$0 Lender Fees
 30 Years Fixed
6.603% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.765 Points$2,448 Points Fee
$3,684 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.608% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.404 Points$1,293 Points Fee
$3,588 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.620% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.733 Points$2,346 Points Fee
$4,346 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.626% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.707 Points$2,262 Points Fee
$8,462 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.744% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.767 Points$2,454 Points Fee
$3,948 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.746% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.820% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.720 Points$2,304 Points Fee
$2,304 Total Fees$0 Lender Fees
 30 Years Fixed
6.838% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.904 Points$2,893 Points Fee
$2,893 Total Fees$0 Lender Fees
 30 Years Fixed
6.853% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.694 Points$2,221 Points Fee
$3,548 Total Fees$1,327 Lender Fees
 30 Years Fixed
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6.568% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.711 Points$2,275 Points Fee
$2,275 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.