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: 11/14/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.864% APR 6.750% Rate 15 day rate lock $2,076 Payment per month
0.543 Points$1,738 Points Fee
$3,733 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.899% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.300 Points$960 Points Fee
$5,073 Total Fees$4,113 Lender Fees
 30 Years Fixed
6.946% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.375 Points$1,200 Points Fee
$6,762 Total Fees$5,562 Lender Fees
 30 Years Fixed
6.957% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.839 Points$2,685 Points Fee
$2,685 Total Fees$0 Lender Fees
 30 Years Fixed
6.973% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
1.000 Points$3,200 Points Fee
$3,418 Total Fees$218 Lender Fees
 30 Years Fixed
6.978% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.925 Points$2,960 Points Fee
$3,501 Total Fees$541 Lender Fees
 30 Years Fixed
7.137% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.744 Points$2,381 Points Fee
$8,581 Total Fees$6,200 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
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7.190% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.657 Points$2,102 Points Fee
$2,102 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.