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: 06/14/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.356% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.625 Points$2,000 Points Fee
$3,600 Total Fees$1,600 Lender Fees
 30 Years Fixed
6.456% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.525 Points$1,680 Points Fee
$2,730 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 15 day rate lock $1,997 Payment per month
0.626 Points$2,003 Points Fee
$3,998 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.558% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.707 Points$2,262 Points Fee
$2,262 Total Fees$0 Lender Fees
 30 Years Fixed
6.702% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.582 Points$1,862 Points Fee
$2,562 Total Fees$700 Lender Fees
 30 Years Fixed
6.706% APR 6.624% Rate 30 day rate lock $2,049 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 Lender Fees
 30 Years Fixed
6.746% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.834% APR 6.740% Rate 30 day rate lock $2,074 Payment per month
0.963 Points$3,082 Points Fee
$3,082 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
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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.