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: 02/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.743% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.671 Points$2,147 Points Fee
$4,142 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.114% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.705 Points$2,256 Points Fee
$4,256 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.818% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.739 Points$2,365 Points Fee
$2,365 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.