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Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

Is buying a home becoming more affordable? See the new "Salary you need to buy a median-priced home in the top 50 metro areas"

New Jersey Mortgage Rates and Refinance Rates: HSH Lender Showcase

Personalize your quotes and see mortgage rates just for you.
Displaying Today's Mortgage Rates for a $200000 Refinance loan in VA.
Refinance
Your loan amount is greater than the value of the property, a condition known as being "underwater".
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Featured lenders
Updated: 12/11/2019
New American Funding
  • America’s Trusted Mortgage Lender - Rated A+ by the BBB
  • Fast Pre-Approvals, Loan Closing within 14Biz Days, Lock Your Rate Now
  • Offering Conventional, Jumbo, FHA, VA, USDA. Non-QM - 680 Minimum FICO
Featured lenders
Updated: 12/11/2019
Quicken Loans
  • We close our loans FAST - many in 30 days or less!
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.

30 year fixed mortgage rates today from 3.500%

Updated: 12/10/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.721%
APR
Rate as low as
3.500%
Rate
$ 898
Monthly Payment
Show Details
Updated: 12/11/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
3.339%
APR
Rate as low as
3.125%
Rate
$ 857
Monthly Payment
Show Details
Updated: 12/11/2019
30 Yr. Fixed
30 Yr. Fixed
Rate as low as
4.251%
APR
Rate as low as
3.875%
Rate
$ 940
Monthly Payment
Show Details
Updated: 12/10/2019
CloseYourOwnLoan.com
  • Skip the salesman. Keep the commission!
  • Get online rates, payments and a Good Faith Estimate
  • $1,000 Best Rate Guarantee
Updated: 12/11/2019
Figure Lending LLC
  • Closing in as few as 10 Days
  • Fast, Easy, and 100% Online Application Process
  • Get your rate quote instantly without affecting your credit
  • Dedicated support team

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
AtlanticOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
BergenOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
BurlingtonOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CamdenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
Cape MayOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
CumberlandOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
EssexOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
GloucesterOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
HudsonOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
HunterdonOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MercerOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
MiddlesexOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MonmouthOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
MorrisOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
OceanOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
PassaicOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SalemOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600
SomersetOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
SussexOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
UnionOne Family$726,525Two Family$930,300Three Family$1,124,475Four Family$1,397,400
WarrenOne Family$484,350Two Family$620,200Three Family$749,650Four Family$931,600