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: 10/13/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.723% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.925 Points$2,960 Points Fee
$3,459 Total Fees$499 Lender Fees
 30 Years Fixed
5.829% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.863 Points$2,762 Points Fee
$2,762 Total Fees$0 Lender Fees
 30 Years Fixed
5.840% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.650 Points$2,080 Points Fee
$3,130 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.990 Points$3,168 Points Fee
$3,968 Total Fees$800 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.616 Points$1,971 Points Fee
$3,966 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.942% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.722 Points$2,310 Points Fee
$2,310 Total Fees$0 Lender Fees
 30 Years Fixed
5.949% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.802 Points$2,566 Points Fee
$2,566 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.878 Points$2,810 Points Fee
$2,810 Total Fees$0 Lender Fees
 30 Years Fixed
5.986% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.575 Points$1,840 Points Fee
$3,840 Total Fees$2,000 Lender Fees
 30 Years Fixed
6.000% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.766 Points$2,451 Points Fee
$4,441 Total Fees$1,990 Lender Fees
 30 Years Fixed
6.100% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.594 Points$1,901 Points Fee
$3,788 Total Fees$1,887 Lender Fees
 30 Years Fixed
6.118% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.897 Points$2,870 Points Fee
$4,198 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.223% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.823 Points$2,634 Points Fee
$3,334 Total Fees$700 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
$0 down payment for Veterans homebuying with a VA Loan
5.932% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.616 Points$1,971 Points Fee
$1,971 Total Fees$0 Lender Fees
 30 Years Fixed
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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.