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New Jersey Mortgage Rates October 2020New 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
 NMLS # 1168 State Lic # 9943847
10/21/2020
Direct Lender. Billions Funded.
NMLS # 1168 State Lic # 9943847
10/21/2020
Direct Lender. Billions Funded.
NMLS # 1168 State Lic # 9943847
10/21/2020
Direct Lender. Billions Funded.
 NMLS # 129033 State Lic # 129033
10/21/2020
Your Way Home
 NMLS # 3030
10/21/2020
From the lender: We can close your loan in less than a month!
NMLS # 129033 State Lic # 129033
10/21/2020
Your Way Home
 NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
 NMLS # 122701
10/21/2020
Guaranteed on-time closings and Consistently The Lowest Rates Since 1986!!! No Lender Fees Why Pay More?
NMLS # 129033 State Lic # 129033
10/21/2020
Your Way Home
 NMLS # 3030
10/21/2020
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 NMLS # 1717824
10/21/2020
Apply online in minutes and close in days, not months.
 NMLS # 1168
10/21/2020
Get a Mortgage Rate Quote Fast
NMLS # 3030
10/21/2020
From the lender: We can close your loan in less than a month!
NMLS # 3030
10/21/2020
The Better Business Bureau gives Quicken Loans and A+ for customer service.
 NMLS # 1717824
10/21/2020
Put your money where you need it sooner.
NMLS # 3030
10/21/2020
From the lender: We can close your loan in less than a month!
NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
NMLS # 122701
10/21/2020
Guaranteed on-time closings and Consistently The Lowest Rates Since 1986!!! No Lender Fees Why Pay More?
NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
NMLS # 1717824
10/21/2020
Put your money where you need it sooner.
NMLS # 122701
10/21/2020
Guaranteed on-time closings and Consistently The Lowest Rates Since 1986!!! No Lender Fees Why Pay More?
NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
NMLS # 1717824
10/21/2020
Put your money where you need it sooner.
NMLS # 122701
10/21/2020
Guaranteed on-time closings and Consistently The Lowest Rates Since 1986!!! No Lender Fees Why Pay More?
NMLS # 3030
10/21/2020
The Better Business Bureau gives Quicken Loans and A+ for customer service.
NMLS # 424182
10/21/2020
FDIC Insured and A+ on Better Business Bureau. Jumbo, FHA, VA and Home Equity loans available
NMLS # 122701
10/21/2020
Guaranteed on-time closings and Consistently The Lowest Rates Since 1986!!! No Lender Fees Why Pay More?
NMLS # 3030
10/21/2020
From the lender: We can close your loan in less than a month!
NMLS # 3030
10/21/2020
From the lender: We can close your loan in less than a month!
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. Cities in New JerseyAbseconAdelphiaAllamuchyAllendaleAllenhurstAllentownAllenwoodAllowayAlpineAndoverAnnandaleAsburyAsbury ParkAtcoAtlantic CityAtlantic HighlandsAudubonAugustaAvalonAvenelAvon By The SeaBaptistownBarnegatBarnegat LightBarringtonBasking RidgeBass RiverBayonneBayvilleBeach HavenBeachwoodBedminsterBelfordBelle MeadBellevilleBellmawrBelmarBelvidereBergenfieldBerkeleyBerkeley HeightsBerlinBernardsBernardsvilleBeverlyBirminghamBlackwoodBlairstownBlawenburgBloomfieldBloomingdaleBloomsburyBogotaBoontonBordentownBound BrookBradley BeachBranchvilleBrickBridgeportBridgetonBridgewaterBrielleBrigantineBroadwayBrooksideBrowns MillsBudd LakeBuenaBurlingtonButlerButtzvilleCaldwellCalifonCamdenCape MayCape May Court HouseCape May PointCarlstadtCarteretCedar BrookCedar GroveCedar KnollsCedarvilleChangewaterChathamChatsworthCherry HillChesterClarkClarksboroClarksburgClaytonClementonCliffside ParkCliffwoodCliftonClintonClosterCollingswoodCologneColoniaColts NeckColumbiaColumbusCookstownCranburyCranfordCream RidgeCresskillCrosswicksDaytonDealDeepwaterDeerfield StreetDelawareDelmontDemarestDennisvilleDenvilleDividing CreekDorchesterDorothyDoverDowneDumontDunellenEast AmwellEast BrunswickEast HanoverEast OrangeEast RutherfordEatontownEdgewaterEdisonEgg Harbor CityEgg Harbor TownshipElizabethElmerElmwood ParkElwoodElwood-MagnoliaEmersonEnglewoodEnglewood CliffsEnglishtownEssex FellsEstell ManorEwanFair HavenFair LawnFairfieldFairtonFairviewFanwoodFar HillsFarmingdaleFlagtownFlandersFlemingtonFlorenceFlorham ParkFordsForked RiverFort LeeFort MonmouthFortescueFranklinFranklin LakesFranklin ParkFranklinvilleFreeholdFrenchtownGarfieldGarwoodGibbsboroGibbstownGilletteGladstoneGlassboroGlasserGlen GardnerGlen RidgeGlen RockGlendoraGlenwoodGloucester CityGoshenGreat MeadowsGreat Meadows-ViennaGreen CreekGreen VillageGreendellGreenwichGrenlochHackensackHackettstownHaddon HeightsHaddonfieldHainesportHaledonHamburgHammontonHamptonHancocks BridgeHardystonHarrington ParkHarrisonHarrisonvilleHasbrouck HeightsHaskellHaworthHawthorneHazletHeislervilleHelmettaHewittHiberniaHigh BridgeHighland LakesHighland ParkHighlandsHightstownHillsdaleHillsideHo Ho KusHo-Ho-KusHobokenHolmdelHopatcongHopeHopewellHowellImlaystownIroniaIrvingtonIselinIsland HeightsJacksonJamesburgJersey CityJobstownJohnsonburgJuliustownKeansburgKearnyKeasbeyKendall ParkKenilworthKenvilKeyportKingstonLafayetteLake HiawathaLake HopatcongLakehurstLakewoodLambertvilleLandingLandisvilleLanoka HarborLavalletteLawnsideLaytonLebanonLedgewoodLeeds PointLeesburgLeonardoLeoniaLiberty CornerLincoln ParkLincroftLindenLinwoodLittle FallsLittle FerryLittle SilverLittle YorkLivingstonLodiLong BranchLong ValleyLongportLumbertonLyndhurstLyonsMadisonMagnoliaMahwahMalagaManahawkinManasquanMantolokingMantuaManvilleMaple ShadeMaplewoodMargate CityMarlboroMarltonMarmoraMartinsvilleMatawanMaurice RiverMauricetownMays LandingMaywoodMcAfeeMedfordMendhamMerchantvilleMetuchenMickletonMiddlesexMiddletownMiddlevilleMidland ParkMilfordMillburnMillingtonMillstoneMilltownMillvilleMilmayMine HillMinotolaMizpahMonmouth BeachMonmouth JunctionMonroevilleMontagueMontclairMontvaleMontvilleMoonachieMoorestownMorganvilleMorris PlainsMorristownMount ArlingtonMount EphraimMount FreedomMount HollyMount LaurelMount RoyalMount TaborMountain LakesMountainsideMullica HillNational ParkNavesinkNeptuneNeshanic StationNetcongNew BrunswickNew EgyptNew GretnaNew LisbonNew MilfordNew ProvidenceNew VernonNew YorkNewarkNewfieldNewfoundlandNewportNewtonNewtonvilleNormaNormandy BeachNorth ArlingtonNorth BergenNorth BrunswickNorthfieldNorthvaleNorwoodNutleyOak RidgeOakhurstOaklandOaklynOcean CityOcean GateOcean GroveOcean ViewOceanportOceanvilleOgdensburgOld BridgeOldwickOradellOrangeOxfordPalisades ParkPalmyraParamusPark RidgeParlinParsippanyPassaicPatersonPaulsboroPeapackPeapack and GladstonePedricktownPembertonPenningtonPenns GrovePennsaukenPennsvillePequannockPerrinevillePerth AmboyPhillipsburgPicatinny ArsenalPine BeachPine BrookPiscatawayPitmanPittstownPlainfieldPlainsboroPleasantvillePluckeminPoint Pleasant BeachPomonaPompton LakesPompton PlainsPort ElizabethPort MonmouthPort MurrayPort NorrisPort ReadingPort RepublicPottersvillePrincetonPrinceton JunctionQuakertownQuintonRahwayRamseyRancocasRandolphRaritanReadingtonRed BankRichlandRichwoodRidgefieldRidgefield ParkRidgewoodRingoesRingwoodRio GrandeRiver EdgeRiverdaleRiversideRivertonRochelle ParkRockawayRocky HillRoeblingRooseveltRoselandRoselleRoselle ParkRosemontRosenhaynRumsonRunnemedeRutherfordSaddle BrookSaddle RiverSalemSayrevilleSchooleys MountainScotch PlainsSea GirtSea Isle CitySeaside HeightsSeaside ParkSecaucusSergeantsvilleSewarenSewellShilohShort HillsShrewsburySicklervilleSkillmanSomerdaleSomers PointSomersetSomervilleSouth AmboySouth Bound BrookSouth DennisSouth HackensackSouth OrangeSouth PlainfieldSouth RiverSouth SeavilleSpartaSpotswoodSpring LakeSpringfieldStanhopeStantonStewartsvilleStillwaterStirlingStockholmStocktonStone HarborStratfordStrathmereSuccasunnaSummitSussexSwartswoodSwedesboroTeaneckTenaflyTennentTeterboroThorofareThree BridgesTitusvilleToms RiverTotowaTowacoTranquilityTrentonTuckahoeTuckertonUnionUnion CityVauxhallVentnor CityVernonVeronaViennaVillasVincentownVinelandVoorheesWaldwickWallingtonWallpack CenterWanaqueWaretownWarrenWashingtonWatchungWaterford WorksWayneWenonahWest BerlinWest CreekWest Long BranchWest MilfordWest New YorkWest OrangeWest PatersonWestfieldWestvilleWestwoodWhartonWhippanyWhitehouseWhitehouse StationWhitesboroWhitingWickatunkWildwoodWilliamstownWillingboroWindsorWinslowWood RidgeWoodbineWoodbridgeWoodburyWoodbury HeightsWoodcliff LakeWoodstownWrightstownWyckoffZarephath |