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: 08/01/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.319% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.400 Points$1,280 Points Fee
$2,330 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.321% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
6.376% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.714 Points$2,285 Points Fee
$4,280 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.493% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.804 Points$2,573 Points Fee
$3,968 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.543% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.555 Points$1,776 Points Fee
$1,776 Total Fees$0 Lender Fees
 30 Years Fixed
6.573% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.861 Points$2,755 Points Fee
$2,755 Total Fees$0 Lender Fees
 30 Years Fixed
6.583% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.751 Points$2,403 Points Fee
$3,103 Total Fees$700 Lender Fees
 30 Years Fixed
6.632% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.678% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.550 Points$1,760 Points Fee
$1,760 Total Fees$0 Lender Fees
 30 Years Fixed
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$0 down payment for Veterans homebuying with a VA Loan
As low as 0% down options & down payment assistance
Numbers you can trust
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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.