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: 08/16/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.200% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$6,899 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.265% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.881 Points$2,819 Points Fee
$4,814 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.372% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.579 Points$1,853 Points Fee
$4,148 Total Fees$2,295 Lender Fees
 30 Years Fixed
6.492% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.632 Points$2,022 Points Fee
$8,222 Total Fees$6,200 Lender Fees
 30 Years Fixed
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6.333% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.879 Points$2,813 Points Fee
$2,813 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.