Mortgage Rates in New Jersey | Refinance Rates

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.

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.

2024 Conforming loan limits for New Jersey

County Name	One Family	Two Family	Three Family	Four Family

Atlantic County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Bergen County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Burlington County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Camden County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Cape May County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Cumberland County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Essex County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Gloucester County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Hudson County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Hunterdon County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Mercer County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Middlesex County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Monmouth County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Morris County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Ocean County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Passaic County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Salem County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400
Somerset County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Sussex County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Union County	One Family$1,149,825	Two Family$1,472,250	Three Family$1,779,525	Four Family$2,211,600
Warren County	One Family$766,550	Two Family$981,500	Three Family$1,186,350	Four Family$1,474,400

Mortgage Rates in New Jersey | Refinance Rates | HSH Lender Showcase

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2024 Conforming loan limits for New Jersey

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