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With the Income You Need to Buy a Median-Priced Home rising - you may need to Learn About Adjustable Rate Mortgages to preserve affordability.

With the Income You Need to Buy a Median-Priced Home rising - you may need to Learn About Adjustable Rate Mortgages to preserve affordability.

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

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Displaying Today's Mortgage Rates for a $200,000 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.

2022 Conforming loan limits for New Jersey

County Name One Family Two Family Three Family Four Family
Atlantic County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Bergen County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Burlington County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Camden County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cape May County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Cumberland County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Essex County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Gloucester County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Hudson County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Hunterdon County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Mercer County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Middlesex County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Monmouth County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Morris County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Ocean County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Passaic County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Salem County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
Somerset County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Sussex County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Union County One Family$970,800 Two Family$1,243,050 Three Family$1,502,475 Four Family$1,867,275
Warren County One Family$647,200 Two Family$828,700 Three Family$1,001,650 Four Family$1,244,850
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