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: 02/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.701% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.836 Points$2,675 Points Fee
$2,675 Total Fees$0 Lender Fees
 30 Years Fixed
5.739% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.071% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.872 Points$2,790 Points Fee
$2,790 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Get home in 2026 with a 0% down VA Loan
Numbers you can trust
5.589% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.982 Points$3,142 Points Fee
$3,142 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.