New Jersey Mortgage Rates January 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 yr fixed refi in 08601, All points, Credit score: 740+ Sort by:

Lender

APR

Rate

Cost & Fees

Notes

NMLS # 66247
State Lic # 8701663
(877) 388 - 9671

4.204%

1/22/2019

4.115%

at 0.100 pts
30 day lock rate

Est payment: $1,452.21

Fees in APR: $2,867

Thank you for your inquiry, we will be in touch shortly.

NMLS # 541760

9.277%

1/22/2019

9.125%

at 0.100 pts
45 day lock rate

Est payment: $2,440.90

Fees in APR: $3,690

Thank you for your inquiry! We look forward to working with you.

NMLS # 472433

4.292%

1/22/2019

4.125%

at 1.000 pts
30 day lock rate

Est payment: $1,453.95

Fees in APR: $2,914

No Points No Games No Surprises! No Closing Cost Options!

NMLS # 403501

4.416%

1/22/2019

4.250%

at 1.000 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: $2,841

NMLS # 181005
(877) 226 - 4932

4.583%

1/22/2019

4.500%

at 0.100 pts
45 day lock rate

Est payment: $1,520.06

Fees in APR: $2,582

Thanks for the inquiry!

NMLS # 472433

4.394%

1/22/2019

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $675

No Points No Games No Surprises! No Closing Cost Options!

NMLS # 330511

4.188%

1/22/2019

4.125%

at 0.000 pts
30 day lock rate

Est payment: $1,453.95

Fees in APR: $2,260

Thank you for your quote.

NMLS # 181005
(877) 226 - 4932

4.750%

1/22/2019

4.750%

at 0.000 pts
45 day lock rate

Est payment: $1,564.94

Fees in APR: None

Thanks for the inquiry!

NMLS # 403501

4.500%

1/22/2019

4.500%

at 0.000 pts
30 day lock rate

Est payment: $1,520.06

Fees in APR: None

NMLS # 237507
(877) 387 - 2804

4.250%

1/22/2019

4.250%

at 0.000 pts
30 day lock rate

Est payment: $1,475.82

Fees in APR: None

NMLS # 66247
State Lic # 8701663
(877) 388 - 9671

4.278%

1/22/2019

4.240%

at 0.000 pts
30 day lock rate

Est payment: $1,474.06

Fees in APR: $1,349

Thank you for your inquiry, we will be in touch shortly.

NMLS # 541760

9.490%

1/22/2019

9.125%

at 1.100 pts
45 day lock rate

Est payment: $2,440.90

Fees in APR: $6,162

Thank you for your inquiry! We look forward to working with you.

NMLS # 66247
State Lic # 8701663
(877) 388 - 9671

4.053%

1/22/2019

3.865%

at 1.100 pts
30 day lock rate

Est payment: $1,409.00

Fees in APR: $3,467

Thank you for your inquiry, we will be in touch shortly.

Proponent Federal Credit Union

4.401%

1/18/2019

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $924

Financial Resources Federal Credit Union

4.389%

1/18/2019

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $510

Bank of America

4.441%

1/21/2019

4.375%

at 0.486 pts
45 day lock rate

Est payment: $1,497.86

Fees in APR: $850

Affinity FCU

4.628%

1/18/2019

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $97

Citizens Bank, NA

4.651%

1/18/2019

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $904

Shore Community Bank

4.879%

1/17/2019

4.875%

at 0.000 pts
30 day lock rate

Est payment: $1,587.62

Fees in APR: $126

Schuyler Savings Bank

5.255%

1/22/2019

5.250%

at 0.000 pts
60 day lock rate

Est payment: $1,656.61

Fees in APR: $170

Credit Union of New Jersey

4.879%

1/18/2019

4.875%

at 0.000 pts
30 day lock rate

Est payment: $1,587.62

Fees in APR: $147

Malvern Federal Savings Bank

4.521%

1/16/2019

4.500%

at 0.000 pts
60 day lock rate

Est payment: $1,520.06

Fees in APR: $745

Somerset Savings Bank, SLA

4.387%

1/22/2019

4.375%

at 0.000 pts
90 day lock rate

Est payment: $1,497.86

Fees in APR: $432

OceanFirst Bank, NA

4.402%

1/22/2019

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $952

Magyar Bank

4.375%

1/22/2019

4.375%

at 0.000 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: None

Manasquan Bank

4.011%

1/22/2019

4.000%

at 0.000 pts
45 day lock rate

Est payment: $1,432.25

Fees in APR: $394

LincolnWay Community Bank

4.406%

1/22/2019

4.375%

at 0.000 pts
30 day lock rate

Est payment: $1,497.86

Fees in APR: $1,085

Metuchen Savings Bank

4.421%

1/22/2019

4.375%

at 0.500 pts
60 day lock rate

Est payment: $1,497.86

Fees in APR: $108

Fulton Bank of New Jersey

4.773%

1/22/2019

4.750%

at 0.000 pts
60 day lock rate

Est payment: $1,564.94

Fees in APR: $807

Santander Bank, N.A.

4.683%

1/22/2019

4.625%

at 0.000 pts
60 day lock rate

Est payment: $1,542.42

Fees in APR: $2,004

Raymond James Bank, NA

4.788%

1/22/2019

4.750%

at 0.000 pts
45 day lock rate

Est payment: $1,564.94

Fees in APR: $1,299

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.

New Jersey Rates & Resources

New Jersey Savings Rates
New Jersey CD Rates

New Jersey Mortgage Rates January 2019

New Jersey Mortgage Rates - Refinance Rates:

New Jersey Conforming Mortgage Rates

New Jersey Super Conforming Home Loan Rates

New Jersey Jumbo Loan Interest Rates

New Jersey Fixed Rate Mortgages

New Jersey Adjustable Interest Rates

New Jersey Interest Only Home Mortgage Rates

New Jersey FHA Mortgage Mortgage Rates

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