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: 11/03/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.881% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.803 Points$2,570 Points Fee
$4,565 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.933% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
5.945% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.757 Points$2,422 Points Fee
$2,422 Total Fees$0 Lender Fees
 30 Years Fixed
5.966% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.989 Points$3,165 Points Fee
$3,165 Total Fees$0 Lender Fees
 30 Years Fixed
6.112% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.840 Points$2,688 Points Fee
$4,015 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.128% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.227% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.866 Points$2,771 Points Fee
$3,471 Total Fees$700 Lender Fees
 30 Years Fixed
6.333% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.982 Points$3,142 Points Fee
$3,142 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
$0 down payment for Veterans homebuying with a VA Loan
5.939% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.693 Points$2,218 Points Fee
$2,218 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.