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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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4.750% Rate

30 Yr. Fixed

5.010% APR

$782 / month (est)

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Updated 12/11/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/13/2018

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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.

For New Jersey, 9 counties have a conventional loan limit at $453,100 and 12 counties at $679,650.

2018 Conventional loan limits for New Jersey

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Atlantic$453,100$580,150$701,250$871,450
Bergen$679,650$870,225$1,051,875$1,307,175
Burlington$453,100$580,150$701,250$871,450
Camden$453,100$580,150$701,250$871,450
Cape May$453,100$580,150$701,250$871,450
Cumberland$453,100$580,150$701,250$871,450
Essex$679,650$870,225$1,051,875$1,307,175
Gloucester$453,100$580,150$701,250$871,450
Hudson$679,650$870,225$1,051,875$1,307,175
Hunterdon$679,650$870,225$1,051,875$1,307,175
Mercer$453,100$580,150$701,250$871,450
Middlesex$679,650$870,225$1,051,875$1,307,175
Monmouth$679,650$870,225$1,051,875$1,307,175
Morris$679,650$870,225$1,051,875$1,307,175
Ocean$679,650$870,225$1,051,875$1,307,175
Passaic$679,650$870,225$1,051,875$1,307,175
Salem$453,100$580,150$701,250$871,450
Somerset$679,650$870,225$1,051,875$1,307,175
Sussex$679,650$870,225$1,051,875$1,307,175
Union$679,650$870,225$1,051,875$1,307,175
Warren$453,100$580,150$701,250$871,450