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: 03/25/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.021% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.957 Points$3,062 Points Fee
$5,057 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.128% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.815 Points$2,608 Points Fee
$8,808 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.190% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.690 Points$2,208 Points Fee
$2,208 Total Fees$0 Lender Fees
 30 Years Fixed
6.226% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.639 Points$2,045 Points Fee
$3,440 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.277% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.492% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.864 Points$2,765 Points Fee
$4,092 Total Fees$1,327 Lender Fees
 30 Years Fixed
6.575% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.889 Points$2,845 Points Fee
$2,845 Total Fees$0 Lender Fees
 30 Years Fixed
Numbers you can trust
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
6.202% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.829 Points$2,653 Points Fee
$2,653 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.