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New Jersey Mortgage Rates and Refinance RatesNew Jersey Mortgage Rates - Refinance Rates:Search and compare mortgage rates and refinance rates in New Jersey. Our rate table has a list of New Jersey mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments. When you start your search for current mortgage rates in New Jersey you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in New Jersey include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in New Jersey listed below.
Lender
APR
Rate
Cost & Fees
Notes
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 NMLS # 541760
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 NMLS # 472433
(877) 591-8350  NMLS # 411254
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 NMLS # 403501
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NMLS # 411254
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NMLS # 472433
(877) 591-8350  NMLS # 330511
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NMLS # 403501
 NMLS # 504284
(877) 364-1324 
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Watermark Home Loans is a BBB A+ rated Direct Lender.
NMLS # 472433
(877) 591-8350 NMLS # 411254
Thanks for the inquiry!
Thank you for your inquiry, we will be in touch shortly.
NMLS # 541760
Thank you for your inquiry! We look forward to working with you.
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OceanFirst Bank, NA
4.778%
10/16/2018
4.750%
at 0.000 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $952
Manasquan Bank
4.761%
10/16/2018
4.750%
at 0.000 pts
45 day lock rate Est payment: $1,564.94
Fees in APR: $394
Somerset Savings Bank, SLA
4.512%
10/16/2018
4.500%
at 0.000 pts
90 day lock rate Est payment: $1,520.06
Fees in APR: $432
LincolnWay Community Bank
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate Est payment: $1,587.62
Fees in APR: $1,085
Fulton Bank of New Jersey
5.149%
10/15/2018
5.125%
at 0.000 pts
60 day lock rate Est payment: $1,633.46
Fees in APR: $807
Magyar Bank
4.500%
10/16/2018
4.500%
at 0.000 pts
60 day lock rate Est payment: $1,520.06
Fees in APR: None
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate Est payment: $1,633.46
Fees in APR: $1,299
Metuchen Savings Bank
4.922%
10/16/2018
4.875%
at 0.500 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $108
Schuyler Savings Bank
4.880%
10/19/2018
4.875%
at 0.000 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $170
Proponent Federal Credit Union
4.902%
10/19/2018
4.875%
at 0.000 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $924
Financial Resources Federal Credit Union
4.765%
10/19/2018
4.750%
at 0.000 pts
60 day lock rate Est payment: $1,564.94
Fees in APR: $510
Affinity FCU
5.003%
10/19/2018
5.000%
at 0.000 pts
60 day lock rate Est payment: $1,610.46
Fees in APR: $97
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate Est payment: $1,633.46
Fees in APR: $2,004
Shore Community Bank
4.954%
10/18/2018
4.950%
at 0.000 pts
30 day lock rate Est payment: $1,601.31
Fees in APR: $126
Credit Union of New Jersey
5.254%
10/19/2018
5.250%
at 0.000 pts
30 day lock rate Est payment: $1,656.61
Fees in APR: $147
Malvern Federal Savings Bank
4.897%
10/17/2018
4.875%
at 0.000 pts
60 day lock rate Est payment: $1,587.62
Fees in APR: $745
The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information. New Jersey Conforming Mortgage RatesConforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of New Jersey. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities. New Jersey mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell New Jersey mortgage loans that have been made. As a result, New Jersey mortgage rates today are lower than jumbo interest rates in New Jersey. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years. New Jersey Super Conforming Home Loan RatesSuper conforming mortgages in New Jersey are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities. New Jersey Jumbo Loan Interest RatesNew Jersey jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in New Jersey are usually 0.75 basis points higher than conforming mortgage rates in New Jersey because there is no guarantee banks and credit unions can sell these mortgages after they make the loans. New Jersey Fixed Rate MortgagesFixed rate mortgages are the most common mortgage available in New Jersey. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees. New Jersey Adjustable Interest RatesNew Jersey adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years. New Jersey Interest Only Home Mortgage RatesNew Jersey interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom. New Jersey FHA Mortgage Mortgage RatesBorrowers in New Jersey must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in New Jersey are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan. 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