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: 10/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.757% APR 6.624% Rate 15 day rate lock $2,049 Payment per month
0.754 Points$2,413 Points Fee
$4,408 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.878% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.600 Points$1,920 Points Fee
$4,215 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.941% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.676 Points$2,163 Points Fee
$2,163 Total Fees$0 Lender Fees
 30 Years Fixed
7.019% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.833 Points$2,666 Points Fee
$8,866 Total Fees$6,200 Lender Fees
 30 Years Fixed
7.128% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.830 Points$2,656 Points Fee
$4,150 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.148% APR 7.000% Rate 45 day rate lock $2,129 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.197% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.718 Points$2,298 Points Fee
$2,298 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Buy with a $0 down payment when you qualify for a VA Loan
6.940% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.666 Points$2,131 Points Fee
$2,131 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.