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: 09/18/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.762% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.887 Points$2,838 Points Fee
$4,833 Total Fees$1,995 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
6.025% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.034% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.470 Points$1,504 Points Fee
$1,504 Total Fees$0 Lender Fees
 30 Years Fixed
6.205% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.631 Points$2,019 Points Fee
$2,719 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
Numbers you can trust
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5.928% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.577 Points$1,846 Points Fee
$1,846 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.