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: 05/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.880% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.794 Points$2,541 Points Fee
$4,536 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.988% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.900 Points$2,880 Points Fee
$3,930 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.055% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.702 Points$2,246 Points Fee
$2,246 Total Fees$0 Lender Fees
 30 Years Fixed
6.120% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.856 Points$2,739 Points Fee
$4,134 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.125% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.783 Points$2,506 Points Fee
$8,706 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.249% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.854 Points$2,733 Points Fee
$4,227 Total Fees$1,494 Lender Fees
 30 Years Fixed
America's #1 Retail Lender (Scottsman Guide)
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As low as 0% down options & down payment assistance
6.178% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.564 Points$1,805 Points Fee
$1,805 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.