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: 06/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.135% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.937 Points$2,998 Points Fee
$4,993 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.184% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.633 Points$2,026 Points Fee
$2,026 Total Fees$0 Lender Fees
 30 Years Fixed
6.243% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$4,029 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.252% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.642 Points$2,054 Points Fee
$4,349 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.262% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.886 Points$2,835 Points Fee
$9,035 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.379% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.905 Points$2,896 Points Fee
$4,390 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.430% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.573 Points$1,834 Points Fee
$1,834 Total Fees$0 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.682 Points$2,182 Points Fee
$2,182 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
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6.291% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.429 Points$1,373 Points Fee
$1,373 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.