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: 12/20/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.837% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.944 Points$3,021 Points Fee
$3,021 Total Fees$0 Lender Fees
 30 Years Fixed
5.845% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.408 Points$1,306 Points Fee
$3,301 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.941% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.719 Points$2,301 Points Fee
$2,301 Total Fees$0 Lender Fees
 30 Years Fixed
6.104% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.500 Points$1,600 Points Fee
$3,595 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.209% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.681 Points$2,179 Points Fee
$2,879 Total Fees$700 Lender Fees
 30 Years Fixed
Numbers you can trust
Get home in 2026 with a 0% down VA Loan
5.827% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.843 Points$2,698 Points Fee
$2,698 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.