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: 06/26/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.982% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
5.994% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.668 Points$2,138 Points Fee
$4,133 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.125% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.781 Points$2,499 Points Fee
$8,699 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.242% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Veterans: Use your VA benefit to buy with 0% down
As low as 0% down options & down payment assistance
6.082% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.991 Points$3,171 Points Fee
$3,171 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in

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.