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New Jersey Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage refinance rates in New Jersey

2.990% Rate

15 Yr. Fixed

3.133% APR

$1,380 / month (est)

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Updated 8/21/2014

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3.125% Rate

15 Yr. Fixed

3.467% APR

$1,393 / month (est)

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Updated 8/21/2014

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3.125% Rate

15 Yr. Fixed

3.193% APR

$1,393 / month (est)

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Updated 8/21/2014

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Mortgage rates from lenders in your area
Company Lending Area Comments
Quicken Loans Last update: 08/21/2014 Nationwide! Great Rates. Expert Advice. Fast Process. Call 800-695-4122 and lock-in a low 30yr fixed rate today!
First Lenders Mortgage Last update: 08/21/2014 New Jersey WE HAVE NO FEES OURSELVES!
CLOSE IN LESS THAN 30 DAYS!
WE NOW OFFER "CLOSING COSTS CREDITS" TO OFFSET 3RD PARTY FEES!
Somerset Savings Bank Last update: 08/21/2014 New Jersey For fast, easy home financing at competitive rates, look no further!
Valley National Bank Last update: 08/21/2014   For Your Mortgage Solutions!
Hudson City Savings Bank Last update: 08/21/2014 Conneticut, New Jersey, Downstate New York Bank On Better Values
Mountain Mortgage Corp. Last update: 08/21/2014 NJ, NY, CT New Jersey's Oldest Mortgage Banker!
Most competitive lender in the Tri-State area.
Millenium Home Mortgage Last update: 08/21/2014 NJ, PA, NY, CT Specializing in Jumbo, 2nd/ Vac Homes, Co-op and Condos. Great Selection of Interest Only Loans!
Aimloan.com Last update: 08/21/2014 Nationwide Certified UpFront Lender! Rates & Good Faith Estimate Online 24/7
Clifton Savings Bank Last update: 08/21/2014   We're large enough to serve your needs, and small enough to know your name.
Absolute Home Mortgage Corp Last update: 08/20/2014 NJ, PA, CT Open Evenings & Weekends.
Specializing in Jumbo Mortgage.
Gibraltar Bank Last update: 08/14/2014 New Jersey Strong as our name since 1909! Equal Housing Lender. FDIC Insured. All loans are processed and underwritten at our loan production center conveniently located in Whippany, NJ.
Columbia Bank Last update: 08/13/2014 New Jersey For Competitive Rates
Count on Columbia
Crossroads Finance Last update: 08/11/2014 New Jersey NJ`s Discount Lender. We Will Beat Anyone`s Rates + Fees. Period. Easy, Fast, + Friendly.
Oritani Bank Last update: 06/12/2014 New Jersey 21 Branches serving New Jersey since 1911.
Mortgage rates from other popular lenders
Chase Last update: 05/02/2014 Rates : 3.500% APR : 3.627% Points : 0.875 Monthly Payment : N/A Closing Cost : N/A
CITI Last update: 05/06/2014 Rates : 3.625% APR : 3.337% Points : 0.000 Monthly Payment : N/A Closing Cost : N/A
Bank Of America Last update: 05/08/2014 Rates : 3.880% APR : 4.280% Points : 0.026 Monthly Payment : $440 Closing Cost : $2925.60
PenFed Last update: 05/08/2014 Rates : 3.130% APR : 3.370% Points : 0.125 Monthly Payment : N/A Closing Cost : N/A

New Jersey Mortgages

Whether mortgage interest rates are low or high, homeowners often want to refinance in order to reorganize their finances. Compare New Jersey mortgage rates from various lenders to see if there is a mortgage program that meets your needs.

If you want to pay off your loan faster, you may want to look for a 15-year fixed-rate loan or even a 10-year fixed-rate loan. If you would rather lower your monthly payments, check NJ mortgage rates to see if interest rates have dropped. Putting these figures through a mortgage calculator--or asking a qualified lender--will help you determine which home loan suits your needs.

Compare current NJ mortgage rates and then use resources at HSH.com to narrow down your mortgage choices for a purchase, refinance, or home equity loan.

New Jersey conventional mortgage

A conventional loan is traditionally defined as a fixed-rate mortgage with equal monthly payments, a 15-year or 30-year term, and a fixed interest rate established when the mortgage is created.

For New Jersey, 9 counties have a conventional loan limit at $417,000 and 12 counties at $625,500.

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Atlantic $417,000 $533,850 $645,300 $801,950
Bergen $625,500 $800,775 $967,950 $1,202,925
Burlington $417,000 $533,850 $645,300 $801,950
Camden $417,000 $533,850 $645,300 $801,950
Cape May $417,000 $533,850 $645,300 $801,950
Cumberland $417,000 $533,850 $645,300 $801,950
Essex $625,500 $800,775 $967,950 $1,202,925
Gloucester $417,000 $533,850 $645,300 $801,950
Hudson $625,500 $800,775 $967,950 $1,202,925
Hunterdon $625,500 $800,775 $967,950 $1,202,925
Mercer $417,000 $533,850 $645,300 $801,950
Middlesex $625,500 $800,775 $967,950 $1,202,925
Monmouth $625,500 $800,775 $967,950 $1,202,925
Morris $625,500 $800,775 $967,950 $1,202,925
Ocean $625,500 $800,775 $967,950 $1,202,925
Passaic $625,500 $800,775 $967,950 $1,202,925
Salem $417,000 $533,850 $645,300 $801,950
Somerset $625,500 $800,775 $967,950 $1,202,925
Sussex $625,500 $800,775 $967,950 $1,202,925
Union $625,500 $800,775 $967,950 $1,202,925
Warren $417,000 $533,850 $645,300 $801,950

Calculate your payments for New Jersey properties with our mortgage calculator.