New Jersey Mortgage Rates and Refinance Rates

New 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.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 08601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,754
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $700
Thank you for your inquiry, we will be in touch shortly. 
 
at 1.100 pts
30 day lock rate
Est payment: $884.19
Fees in APR: $2,748
Thank you for your inquiry, we will be in touch shortly. 
 
JG Wentworth Home Lending Logo
NMLS # 2925
State Lic # 2925
(877) 437-3841
at 0.000 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $299
 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # 1138066
(877) 730-0181
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,103
 
 
E-Click Lending Logo
NMLS # 1256692
(877) 275-4211
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 9601232
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 9601232
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $481
Thank you for your inquiry, we will be in touch shortly. 
 
Sindeo, Inc. Logo
NMLS # 1138066
State Lic # 1138066
(877) 730-0181
at 1.000 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $2,615
 
 
at 1.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,216
 
 
eRates Mortgage Logo
NMLS # 1071
State Lic # 9601232
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $1,356
Thank you for your inquiry, we will be in touch shortly. 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
at 0.456 pts
30 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
at 0.875 pts
45 day lock rate
Est payment: $912.10
Fees in APR: None
 
 
M&T Bank Logo
NMLS # 381076
(877) 526-1847
at 1.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $3,117
 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $2,556
Thank you for your inquiry! 
 
M&T Bank Logo
NMLS # 381076
(877) 526-1847
at 2.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $4,617
 
 
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $337
Thank you for your inquiry! 
 
at 0.000 pts
45 day lock rate
Est payment: $926.23
Fees in APR: None
 
 
M&T Bank Logo
NMLS # 381076
(877) 526-1847
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $1,117
 
 
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $870
 
 
at 0.000 pts
30 day lock rate
Est payment: $1,199.10
Fees in APR: None
 
 
Watermark Home Loans Logo
NMLS # 1838
State Lic # 1838
(877) 526-4069
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: None
Watermark Home Loans is a BBB A+ rated Direct Lender. 
 
First Internet Bank Logo
NMLS # 424182
(877) 900-8028
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $356
Thank you for your inquiry! 
 
Columbia Bank Logo
NMLS # 504284
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: None
 
 
Flagstar Bank Logo
NMLS # 417490
(877) 808-7051
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $744
Thank you for your inquiry! 
 
Best Rate USA Logo
NMLS # 134407
State Lic # 0903805
(877) 381-2251
at 0.000 pts
45 day lock rate
Est payment: $912.10
Fees in APR: $995
The direct lender to call for great rates and superior service. 
 
Affinity FCU
4.129%
10/13/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $97
 
 
Proponent Federal Credit Union
4.038%
10/13/2017
4.000%
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $924
 
 
Credit Union of New Jersey
4.131%
10/13/2017
4.125%
at 0.000 pts
30 day lock rate
Est payment: $969.30
Fees in APR: $147
 
 
Financial Resources Federal Credit Union
4.021%
10/13/2017
4.000%
at 0.000 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $510
 
 
Valley National Bank
3.940%
10/13/2017
3.875%
at 0.500 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $577
 
 
Shore Community Bank
4.255%
10/12/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $126
 
 
United Teletech Financial
3.908%
10/13/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $795
 
 
IAB Financial Bank
4.285%
10/11/2017
4.250%
at 0.000 pts
30 day lock rate
Est payment: $983.88
Fees in APR: $828
 
 
Malvern Federal Savings Bank
4.021%
10/11/2017
3.990%
at 0.000 pts
60 day lock rate
Est payment: $953.68
Fees in APR: $745
 
 
Audubon Savings Bank
4.149%
10/12/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $580
 
 
Metuchen Savings Bank
3.921%
10/17/2017
3.875%
at 0.500 pts
60 day lock rate
Est payment: $940.47
Fees in APR: $108
 
 
LincolnWay Community Bank
3.920%
10/17/2017
3.875%
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $1,085
 
 
Magyar Bank
3.875%
10/17/2017
3.875%
at 0.000 pts
60 day lock rate
Est payment: $940.47
Fees in APR: None
 
 
OceanFirst Bank
3.789%
10/17/2017
3.750%
at 0.000 pts
60 day lock rate
Est payment: $926.23
Fees in APR: $952
 
 
Somerset Savings Bank, SLA
3.768%
10/17/2017
3.750%
at 0.000 pts
90 day lock rate
Est payment: $926.23
Fees in APR: $432
 
 
Manasquan Savings Bank
4.025%
10/17/2017
4.000%
at 0.000 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $606
 
 
Santander Bank, N.A.
4.209%
10/17/2017
4.125%
at 0.000 pts
60 day lock rate
Est payment: $969.30
Fees in APR: $2,004
 
 
Schuyler Savings Bank
4.257%
10/16/2017
4.250%
at 0.000 pts
60 day lock rate
Est payment: $983.88
Fees in APR: $170
 
 
Fulton Bank of New Jersey
4.044%
10/16/2017
4.000%
at 0.125 pts
60 day lock rate
Est payment: $954.83
Fees in APR: $807
 
 
Raymond James Bank, NA
4.305%
10/17/2017
4.250%
at 0.000 pts
45 day lock rate
Est payment: $983.88
Fees in APR: $1,299
 
 
TD Bank, NA
3.843%
10/13/2017
3.750%
at 0.625 pts
45 day lock rate
Est payment: $926.23
Fees in APR: $1,016
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

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 Rates

Conforming 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 Rates

Super 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 Rates

New 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 Mortgages

Fixed 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 Rates

New 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 Rates

New 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 Rates

Borrowers 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.


Google Map for New Jersey Rates & Resources


Cities in New Jersey

Absecon

Adelphia

Allamuchy

Allendale

Allenhurst

Allentown

Allenwood

Alloway

Alpine

Andover

Annandale

Asbury

Asbury Park

Atco

Atlantic City

Atlantic Highlands

Audubon

Augusta

Avalon

Avenel

Avon By The Sea

Baptistown

Barnegat

Barnegat Light

Barrington

Basking Ridge

Bass River

Bayonne

Bayville

Beach Haven

Beachwood

Bedminster

Belford

Belle Mead

Belleville

Bellmawr

Belmar

Belvidere

Bergenfield

Berkeley

Berkeley Heights

Berlin

Bernards

Bernardsville

Beverly

Birmingham

Blackwood

Blairstown

Blawenburg

Bloomfield

Bloomingdale

Bloomsbury

Bogota

Boonton

Bordentown

Bound Brook

Bradley Beach

Branchville

Brick

Bridgeport

Bridgeton

Bridgewater

Brielle

Brigantine

Broadway

Brookside

Browns Mills

Budd Lake

Buena

Burlington

Butler

Buttzville

Caldwell

Califon

Camden

Cape May

Cape May Court House

Cape May Point

Carlstadt

Carteret

Cedar Brook

Cedar Grove

Cedar Knolls

Cedarville

Changewater

Chatham

Chatsworth

Cherry Hill

Chester

Clark

Clarksboro

Clarksburg

Clayton

Clementon

Cliffside Park

Cliffwood

Clifton

Clinton

Closter

Collingswood

Cologne

Colonia

Colts Neck

Columbia

Columbus

Cookstown

Cranbury

Cranford

Cream Ridge

Cresskill

Crosswicks

Dayton

Deal

Deepwater

Deerfield Street

Delaware

Delmont

Demarest

Dennisville

Denville

Dividing Creek

Dorchester

Dorothy

Dover

Downe

Dumont

Dunellen

East Amwell

East Brunswick

East Hanover

East Orange

East Rutherford

Eatontown

Edgewater

Edison

Egg Harbor City

Egg Harbor Township

Elizabeth

Elmer

Elmwood Park

Elwood

Elwood-Magnolia

Emerson

Englewood

Englewood Cliffs

Englishtown

Essex Fells

Estell Manor

Ewan

Fair Haven

Fair Lawn

Fairfield

Fairton

Fairview

Fanwood

Far Hills

Farmingdale

Flagtown

Flanders

Flemington

Florence

Florham Park

Fords

Forked River

Fort Lee

Fort Monmouth

Fortescue

Franklin

Franklin Lakes

Franklin Park

Franklinville

Freehold

Frenchtown

Garfield

Garwood

Gibbsboro

Gibbstown

Gillette

Gladstone

Glassboro

Glasser

Glen Gardner

Glen Ridge

Glen Rock

Glendora

Glenwood

Gloucester City

Goshen

Great Meadows

Great Meadows-Vienna

Green Creek

Green Village

Greendell

Greenwich

Grenloch

Hackensack

Hackettstown

Haddon Heights

Haddonfield

Hainesport

Haledon

Hamburg

Hammonton

Hampton

Hancocks Bridge

Hardyston

Harrington Park

Harrison

Harrisonville

Hasbrouck Heights

Haskell

Haworth

Hawthorne

Hazlet

Heislerville

Helmetta

Hewitt

Hibernia

High Bridge

Highland Lakes

Highland Park

Highlands

Hightstown

Hillsdale

Hillside

Ho Ho Kus

Ho-Ho-Kus

Hoboken

Holmdel

Hopatcong

Hope

Hopewell

Howell

Imlaystown

Ironia

Irvington

Iselin

Island Heights

Jackson

Jamesburg

Jersey City

Jobstown

Johnsonburg

Juliustown

Keansburg

Kearny

Keasbey

Kendall Park

Kenilworth

Kenvil

Keyport

Kingston

Lafayette

Lake Hiawatha

Lake Hopatcong

Lakehurst

Lakewood

Lambertville

Landing

Landisville

Lanoka Harbor

Lavallette

Lawnside

Layton

Lebanon

Ledgewood

Leeds Point

Leesburg

Leonardo

Leonia

Liberty Corner

Lincoln Park

Lincroft

Linden

Linwood

Little Falls

Little Ferry

Little Silver

Little York

Livingston

Lodi

Long Branch

Long Valley

Longport

Lumberton

Lyndhurst

Lyons

Madison

Magnolia

Mahwah

Malaga

Manahawkin

Manasquan

Mantoloking

Mantua

Manville

Maple Shade

Maplewood

Margate City

Marlboro

Marlton

Marmora

Martinsville

Matawan

Maurice River

Mauricetown

Mays Landing

Maywood

McAfee

Medford

Mendham

Merchantville

Metuchen

Mickleton

Middlesex

Middletown

Middleville

Midland Park

Milford

Millburn

Millington

Millstone

Milltown

Millville

Milmay

Mine Hill

Minotola

Mizpah

Monmouth Beach

Monmouth Junction

Monroeville

Montague

Montclair

Montvale

Montville

Moonachie

Moorestown

Morganville

Morris Plains

Morristown

Mount Arlington

Mount Ephraim

Mount Freedom

Mount Holly

Mount Laurel

Mount Royal

Mount Tabor

Mountain Lakes

Mountainside

Mullica Hill

National Park

Navesink

Neptune

Neshanic Station

Netcong

New Brunswick

New Egypt

New Gretna

New Lisbon

New Milford

New Providence

New Vernon

New York

Newark

Newfield

Newfoundland

Newport

Newton

Newtonville

Norma

Normandy Beach

North Arlington

North Bergen

North Brunswick

Northfield

Northvale

Norwood

Nutley

Oak Ridge

Oakhurst

Oakland

Oaklyn

Ocean City

Ocean Gate

Ocean Grove

Ocean View

Oceanport

Oceanville

Ogdensburg

Old Bridge

Oldwick

Oradell

Orange

Oxford

Palisades Park

Palmyra

Paramus

Park Ridge

Parlin

Parsippany

Passaic

Paterson

Paulsboro

Peapack

Peapack and Gladstone

Pedricktown

Pemberton

Pennington

Penns Grove

Pennsauken

Pennsville

Pequannock

Perrineville

Perth Amboy

Phillipsburg

Picatinny Arsenal

Pine Beach

Pine Brook

Piscataway

Pitman

Pittstown

Plainfield

Plainsboro

Pleasantville

Pluckemin

Point Pleasant Beach

Pomona

Pompton Lakes

Pompton Plains

Port Elizabeth

Port Monmouth

Port Murray

Port Norris

Port Reading

Port Republic

Pottersville

Princeton

Princeton Junction

Quakertown

Quinton

Rahway

Ramsey

Rancocas

Randolph

Raritan

Readington

Red Bank

Richland

Richwood

Ridgefield

Ridgefield Park

Ridgewood

Ringoes

Ringwood

Rio Grande

River Edge

Riverdale

Riverside

Riverton

Rochelle Park

Rockaway

Rocky Hill

Roebling

Roosevelt

Roseland

Roselle

Roselle Park

Rosemont

Rosenhayn

Rumson

Runnemede

Rutherford

Saddle Brook

Saddle River

Salem

Sayreville

Schooleys Mountain

Scotch Plains

Sea Girt

Sea Isle City

Seaside Heights

Seaside Park

Secaucus

Sergeantsville

Sewaren

Sewell

Shiloh

Short Hills

Shrewsbury

Sicklerville

Skillman

Somerdale

Somers Point

Somerset

Somerville

South Amboy

South Bound Brook

South Dennis

South Hackensack

South Orange

South Plainfield

South River

South Seaville

Sparta

Spotswood

Spring Lake

Springfield

Stanhope

Stanton

Stewartsville

Stillwater

Stirling

Stockholm

Stockton

Stone Harbor

Stratford

Strathmere

Succasunna

Summit

Sussex

Swartswood

Swedesboro

Teaneck

Tenafly

Tennent

Teterboro

Thorofare

Three Bridges

Titusville

Toms River

Totowa

Towaco

Tranquility

Trenton

Tuckahoe

Tuckerton

Union

Union City

Vauxhall

Ventnor City

Vernon

Verona

Vienna

Villas

Vincentown

Vineland

Voorhees

Waldwick

Wallington

Wallpack Center

Wanaque

Waretown

Warren

Washington

Watchung

Waterford Works

Wayne

Wenonah

West Berlin

West Creek

West Long Branch

West Milford

West New York

West Orange

West Paterson

Westfield

Westville

Westwood

Wharton

Whippany

Whitehouse

Whitehouse Station

Whitesboro

Whiting

Wickatunk

Wildwood

Williamstown

Willingboro

Windsor

Winslow

Wood Ridge

Woodbine

Woodbridge

Woodbury

Woodbury Heights

Woodcliff Lake

Woodstown

Wrightstown

Wyckoff

Zarephath