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Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

Thinking about buying a home this spring? Check out the latest update to the income needed to buy a median-priced home in the top 50 metro areas.

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

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Displaying Today's Mortgage Rates for a $450,000 Refinance loan.
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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.

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
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