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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.710% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.780 Points$2,496 Points Fee
$2,995 Total Fees$499 Lender Fees
 30 Years Fixed
5.794% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.479 Points$1,533 Points Fee
$1,533 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
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.424 Points$1,357 Points Fee
$3,352 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.857% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.580 Points$1,856 Points Fee
$3,743 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.892% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.929 Points$2,973 Points Fee
$4,973 Total Fees$2,000 Lender Fees
 30 Years Fixed
5.924% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.530 Points$1,696 Points Fee
$1,696 Total Fees$0 Lender Fees
 30 Years Fixed
5.934% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.642 Points$2,054 Points Fee
$2,054 Total Fees$0 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
6.113% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.851 Points$2,723 Points Fee
$4,051 Total Fees$1,328 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
6.331% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.967 Points$3,094 Points Fee
$3,094 Total Fees$0 Lender Fees
 30 Years Fixed
Get home in 2026 with a 0% down VA Loan
5.814% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.702 Points$2,246 Points Fee
$2,246 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.