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: 05/24/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.494% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.606% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.781 Points$2,499 Points Fee
$3,549 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.695% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.734 Points$2,349 Points Fee
$2,349 Total Fees$0 Lender Fees
 30 Years Fixed
6.848% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.789 Points$2,525 Points Fee
$3,225 Total Fees$700 Lender Fees
 30 Years Fixed
6.908% APR 6.750% Rate 45 day rate lock $2,076 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.972% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.989 Points$3,165 Points Fee
$3,165 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
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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.