New Jersey Mortgage Rates May 2019

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 year fixed refi 15 year fixed refi 10 year fixed refi 20 year fixed refi 5/1 ARM refi 7/1 ARM refi 10/1 ARM refi 3/1 ARM refi 5/1 ARM refi IO 7/1 ARM refi IO 3/1 ARM refi IO	AK AL AR AZ CA CO CT DC DE FL GA HI IA ID IL IN KS KY LA MA MD ME MI MN MO MS MT NC ND NE NH NJ NM NV NY OH OK OR PA RI SC SD TN TX UT VA VT WA WI WV WY    Atlantic City-Vineland Cherry Hill Elizabeth Neptune-Lakewood Newark Paterson-Paramus Trenton-Princeton Washington-Montgomery		$	All 0 0.1 - 1 1.1 - 2	660 - 679 680 - 699 700 - 719 720 - 739 740+	5% 10% 15% 20% 25% 30% 40%

30 yr fixed refi in 08601, All points, Credit score: 740+     Sort by: Default Lender APR Rate Fees in APR Payment Points

Lender

APR

Rate

Cost & Fees

Notes

 

30 yr fixed Mortgage Loan from Better.com

Better.com

https://www.brimg.net/system/img/inst/9722_logo.gif

300000

Refinance

4.009

4.000

USD

NMLS # 330511

4.009%

5/17/2019

4.000%

at 0.000 pts
30 day lock rate

Est payment: $1,432.25

Fees in APR: $316

Thank you for your quote. 

 

Next

30 yr fixed mtg refi Mortgage Loan from LincolnWay Community Bank

LincolnWay Community Bank

300000

Refinance

4.030

4.000

USD

LincolnWay Community Bank

4.030%

5/14/2019

4.000%

at 0.000 pts
30 day lock rate

Est payment: $1,432.25

Fees in APR: $1,085

 

 

30 yr fixed mtg refi Mortgage Loan from Manasquan Bank

Manasquan Bank

300000

Refinance

4.011

4.000

USD

Manasquan Bank

4.011%

5/14/2019

4.000%

at 0.000 pts
45 day lock rate

Est payment: $1,432.25

Fees in APR: $394

 

 

30 yr fixed mtg refi Mortgage Loan from Somerset Savings Bank, SLA

Somerset Savings Bank, SLA

300000

Refinance

4.004

3.990

USD

Somerset Savings Bank, SLA

4.004%

5/14/2019

3.990%

at 0.000 pts
90 day lock rate

Est payment: $1,430.52

Fees in APR: $490

 

 

30 yr fixed mtg refi Mortgage Loan from Metuchen Savings Bank

Metuchen Savings Bank

300000

Refinance

4.250

4.250

USD

Metuchen Savings Bank

4.250%

5/14/2019

4.250%

at 0.000 pts
60 day lock rate

Est payment: $1,475.82

Fees in APR: $9

 

 

30 yr fixed mtg refi Mortgage Loan from Fulton Bank of New Jersey

Fulton Bank of New Jersey

300000

Refinance

4.449

4.375

USD

Fulton Bank of New Jersey

4.449%

5/13/2019

4.375%

at 0.603 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $807

 

 

30 yr fixed mtg refi Mortgage Loan from Credit Union of New Jersey

Credit Union of New Jersey

300000

Refinance

4.504

4.500

USD

Credit Union of New Jersey

4.504%

5/10/2019

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: $147

 

 

30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.

Santander Bank, N.A.

300000

Refinance

4.306

4.250

USD

Santander Bank, N.A.

4.306%

5/10/2019

4.250%

at 0.000 pts
60 day lock rate

Est payment: $1,475.82

Fees in APR: $2,004

 

 

30 yr fixed mtg refi Mortgage Loan from TD Bank, NA

TD Bank, NA

300000

Refinance

4.028

4.000

USD

TD Bank, NA

4.028%

5/10/2019

4.000%

at 0.000 pts
45 day lock rate

Est payment: $1,432.25

Fees in APR: $1,016

 

 

30 yr fixed mtg refi Mortgage Loan from OceanFirst Bank, NA

OceanFirst Bank, NA

300000

Refinance

4.003

4.000

USD

OceanFirst Bank, NA

4.003%

5/14/2019

4.000%

at 0.000 pts
60 day lock rate

Est payment: $1,432.25

Fees in APR: $93

 

 

30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA

Raymond James Bank, NA

300000

Refinance

4.287

4.250

USD

Raymond James Bank, NA

4.287%

5/15/2019

4.250%

at 0.000 pts
45 day lock rate

Est payment: $1,475.82

Fees in APR: $1,299

 

 

30 yr fixed mtg refi Mortgage Loan from Financial Resources Federal Credit Union

Financial Resources Federal Credit Union

300000

Refinance

4.014

4.000

USD

Financial Resources Federal Credit Union

4.014%

5/17/2019

4.000%

at 0.000 pts
60 day lock rate

Est payment: $1,432.25

Fees in APR: $510

 

 

30 yr fixed mtg refi Mortgage Loan from Affinity FCU

Affinity FCU

300000

Refinance

4.003

4.000

USD

Affinity FCU

4.003%

5/17/2019

4.000%

at 0.000 pts
60 day lock rate

Est payment: $1,432.25

Fees in APR: $97

 

 

30 yr fixed mtg refi Mortgage Loan from Schuyler Savings Bank

Schuyler Savings Bank

300000

Refinance

3.995

3.990

USD

Schuyler Savings Bank

3.995%

5/17/2019

3.990%

at 0.000 pts
60 day lock rate

Est payment: $1,430.52

Fees in APR: $170

 

 

30 yr fixed mtg refi Mortgage Loan from Proponent Federal Credit Union

Proponent Federal Credit Union

300000

Refinance

4.026

4.000

USD

Proponent Federal Credit Union

4.026%

5/17/2019

4.000%

at 0.000 pts
60 day lock rate

Est payment: $1,432.25

Fees in APR: $924

 

 

30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA

Citizens Bank, NA

300000

Refinance

4.402

4.375

USD

Citizens Bank, NA

4.402%

5/17/2019

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $962

 

 

30 yr fixed mtg refi Mortgage Loan from Bank of America

Bank of America

300000

Refinance

4.056

4.000

USD

Bank of America

4.056%

5/15/2019

4.000%

at 0.394 pts
45 day lock rate

Est payment: $1,432.25

Fees in APR: $850

 

 

30 yr fixed mtg refi Mortgage Loan from Shore Community Bank

Shore Community Bank

300000

Refinance

4.629

4.625

USD

Shore Community Bank

4.629%

5/16/2019

4.625%

at 0.000 pts
30 day lock rate

Est payment: $1,542.42

Fees in APR: $126

 

 

30 yr fixed mtg refi Mortgage Loan from United Teletech Financial

United Teletech Financial

300000

Refinance

4.202

4.180

USD

United Teletech Financial

4.202%

5/16/2019

4.180%

at 0.000 pts
30 day lock rate

Est payment: $1,463.55

Fees in APR: $795

 

 

30 yr fixed mtg refi Mortgage Loan from Magyar Bank

Magyar Bank

300000

Refinance

3.990

3.990

USD

Magyar Bank

3.990%

5/14/2019

3.990%

at 0.000 pts
60 day lock rate

Est payment: $1,430.52

Fees in APR: $18

 

 

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.

Cities in New Jersey