New Jersey Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Displaying Today's Mortgage Rates for a $200000 Refinance loan in NJ.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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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.

2020 Conventional loan limits for New Jersey

County NameOne FamilyTwo FamilyThree FamilyFour Family
Atlantic CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Bergen CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Burlington CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Camden CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cape May CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Cumberland CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Essex CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Gloucester CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Hudson CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Hunterdon CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Mercer CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Middlesex CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Monmouth CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Morris CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Ocean CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Passaic CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Salem CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
Somerset CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Sussex CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Union CountyOne Family$765,600Two Family$980,325Three Family$1,184,925Four Family$1,472,550
Warren CountyOne Family$510,400Two Family$653,550Three Family$789,950Four Family$981,700
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