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: 05/18/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.267% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.909 Points$2,909 Points Fee
$4,904 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.299% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.522 Points$1,670 Points Fee
$1,670 Total Fees$0 Lender Fees
 30 Years Fixed
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
6.379% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.782 Points$2,502 Points Fee
$8,702 Total Fees$6,200 Lender Fees
 30 Years Fixed
6.383% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.978 Points$3,130 Points Fee
$4,525 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.489% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.733 Points$2,346 Points Fee
$3,840 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.494% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Veterans: Use your VA benefit to buy with 0% down
America's #1 Retail Lender (Scottsman Guide)
6.339% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.947 Points$3,030 Points Fee
$3,030 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.