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New Jersey Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in New Jersey

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5.250% Rate

30 Yr. Fixed

Rates as low as

5.405% APR

$860 / month (est)

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Updated 4/23/2019

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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 mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2019 Conventional loan limits for New Jersey

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Atlantic$484,350$620,200$749,650$931,600
Bergen$726,525$930,300$1,124,475$1,397,400
Burlington$484,350$620,200$749,650$931,600
Camden$484,350$620,200$749,650$931,600
Cape May$484,350$620,200$749,650$931,600
Cumberland$484,350$620,200$749,650$931,600
Essex$726,525$930,300$1,124,475$1,397,400
Gloucester$484,350$620,200$749,650$931,600
Hudson$726,525$930,300$1,124,475$1,397,400
Hunterdon$726,525$930,300$1,124,475$1,397,400
Mercer$484,350$620,200$749,650$931,600
Middlesex$726,525$930,300$1,124,475$1,397,400
Monmouth$726,525$930,300$1,124,475$1,397,400
Morris$726,525$930,300$1,124,475$1,397,400
Ocean$726,525$930,300$1,124,475$1,397,400
Passaic$726,525$930,300$1,124,475$1,397,400
Salem$484,350$620,200$749,650$931,600
Somerset$726,525$930,300$1,124,475$1,397,400
Sussex$726,525$930,300$1,124,475$1,397,400
Union$726,525$930,300$1,124,475$1,397,400
Warren$484,350$620,200$749,650$931,600