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: 09/30/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
7.029% APR 6.875% Rate 15 day rate lock $2,103 Payment per month
0.948 Points$3,034 Points Fee
$5,029 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.127% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
7.271% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.748 Points$2,394 Points Fee
$4,689 Total Fees$2,295 Lender Fees
 30 Years Fixed
7.297% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.468 Points$1,498 Points Fee
$1,498 Total Fees$0 Lender Fees
 30 Years Fixed
7.347% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.964 Points$3,085 Points Fee
$3,085 Total Fees$0 Lender Fees
 30 Years Fixed
7.373% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.791 Points$2,531 Points Fee
$3,926 Total Fees$1,395 Lender Fees
 30 Years Fixed
7.375% APR 7.250% Rate 45 day rate lock $2,183 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
7.387% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.898 Points$2,874 Points Fee
$4,368 Total Fees$1,494 Lender Fees
 30 Years Fixed
Buy with a $0 down payment when you qualify for a VA Loan
As low as 0% down options & down payment assistance
7.287% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.370 Points$1,184 Points Fee
$1,184 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.