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What are mortgage rates likely to do as we close out 2023 and start 2024? Check out our latest Two-Month Mortgage Rate Forecast.

What are mortgage rates likely to do as we close out 2023 and start 2024? Check out our latest Two-Month Mortgage Rate Forecast.

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.

2023 Conforming loan limits for New Jersey

Select County
County Name One Family Two Family Three Family Four Family
Atlantic County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Bergen County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Burlington County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Camden County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cape May County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Cumberland County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Essex County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Gloucester County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Hudson County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Hunterdon County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Mercer County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Middlesex County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Monmouth County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Morris County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Ocean County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Passaic County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Salem County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800
Somerset County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Sussex County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Union County One Family$1,089,300 Two Family$1,394,775 Three Family$1,685,850 Four Family$2,095,200
Warren County One Family$726,200 Two Family$929,850 Three Family$1,123,900 Four Family$1,396,800

Mortgage Rates by State

Mortgage rates by loan term and type

Today's Mortgage Rates
30-year fixed mortgage rates
15-year fixed mortgage rates
20-year fixed mortgage rates
10-year fixed mortgage rates
5/1 Adjustable Rate Mortgage Rates
7/1 Adjustable Rate Mortgage Rates
10/1 Adjustable Rate Mortgage Rates
VA mortgage rates
FHA mortgage rates
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