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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	6.875%	7.733%	2.122	$2,339
VA 30-Year Fixed	6.750%	7.164%	1.988	$2,298
Conventional 15-Year Fixed	6.625%	7.129%	2.214	$3,072
Conventional 30-Year Fixed	7.250%	7.529%	1.781	$2,387
Jumbo 30-Year Fixed	7.125%	7.347%	2.050	$6,400

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	7.000%	7.874%	2.421	$2,369
VA 30-Year Refinance	7.000%	7.297%	2.298	$2,340
Conventional 15-Year Refinance	7.000%	7.484%	2.241	$3,145
Conventional 30-Year Refinance	7.375%	7.700%	2.421	$2,417
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$6,480

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.733% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.122 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.164% APR and $2,298 monthly payment at 70% loan-to-value (LTV) and 1.988 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.129% APR and $3,072 monthly payment at 70% loan-to-value (LTV) and 2.214 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.529% APR and $2,387 monthly payment at 70% loan-to-value (LTV) and 1.781 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.347% APR and $6,400 monthly payment at 70% loan-to-value (LTV) and 2.050 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.874% APR and $2,369 monthly payment at 70% loan-to-value (LTV) and 2.421 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.297% APR and $2,340 monthly payment at 70% loan-to-value (LTV) and 2.298 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.484% APR and $3,145 monthly payment at 70% loan-to-value (LTV) and 2.241 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.700% APR and $2,417 monthly payment at 70% loan-to-value (LTV) and 2.421 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 8, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $6,480 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 1, 2026.

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Mortgage Rates Trend in New Jersey

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in New Jersey

New Jersey mortgage interest rates reflect national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote in Newark can differ from one in a rural part of New Jersey when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

New Jersey homeowners weighing a refinance can compare New Jersey refinance rates with the rate, term and costs of their existing mortgage.

Types of Mortgages Available in New Jersey

New Jerseyans can use several mortgage structures, while the property's county determines how much a conventional one-unit mortgage can reach before moving into the jumbo category.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.
FHA loans in New Jersey follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare New Jersey VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural area.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms.
A jumbo loan finances an amount above the conforming limit that applies to the property's county. New Jersey's two-tier structure is covered below.

Buyers entering the market for the first time can compare first-time homebuyer loan options in New Jersey.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in New Jersey

New Jersey's 2026 one-unit conforming limit is $832,750 in nine of its 21 counties and $1,209,750 in 12 higher-cost counties. The jumbo threshold therefore depends on the county where the property is located.

The 12 higher-cost counties share the same $1,209,750 limit, which is $377,000 above the baseline used in the other nine counties.

County	2026 one-unit conforming limit
Bergen County	$1,209,750
Essex County	$1,209,750
Hudson County	$1,209,750
Hunterdon County	$1,209,750
Middlesex County	$1,209,750
Monmouth County	$1,209,750
Morris County	$1,209,750
Ocean County	$1,209,750
Passaic County	$1,209,750
Somerset County	$1,209,750
Sussex County	$1,209,750
Union County	$1,209,750

The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually. A one-unit mortgage above the applicable county limit falls into the jumbo category, so a loan above $832,750 can be jumbo in one New Jersey county while remaining conforming in one of the 12 higher-cost counties.

Buyers financing above the applicable threshold can compare New Jersey jumbo loan rates.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

New Jersey Mortgage Payment Examples By Rate

New Jersey's payment examples extend to a $1,200,000 mortgage. That amount is above the $832,750 baseline and below the $1,209,750 limit that applies in the state's 12 higher-cost counties. Use the New Jersey mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$1,200,000	$6,813	$7,003	$7,195	$7,389	$7,585
$1,100,000	$6,246	$6,419	$6,595	$6,773	$6,953
$1,000,000	$5,678	$5,836	$5,996	$6,157	$6,321
$900,000	$5,110	$5,252	$5,396	$5,541	$5,689
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

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Verified Customer

August 5, 2026

5.0

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Verified Customer

August 16, 2026

5.0

Adam gave us great advice and really helped us every step of the way! He helped us out so much. Thank you Adam!

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Verified Customer

August 8, 2026

5.0

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Verified Customer

September 10, 2026

5.0

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Verified Customer

September 30, 2026

5.0

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Verified Customer

August 18, 2026

Haley C. rated Adam Heiligman 5.0 stars: Adam was amazing to work with, What we thought would be the most stressful part of the home buying process was made so easy. Any question we had was answered in a way we were able to keep up with and understand. Adam helped us with advice as well as made sure we were on top of everything to keep it smooth. I would recomend Adam to everyone I know becasue he was far and beyond the easiest and kindest person to work with. We really apreciate all the hard work and posotivity that came along with. Thanks so much again! Benjamin C. rated Kristen Clarke 5.0 stars: Absolutely. Here’s a polished version that keeps the warmth and enthusiasm of what you experienced while still sounding credible as a professional review: Working with my broker was truly an exceptional experience. From beginning to end, she was absolutely dynamite. She guided me through every step of the home-buying and financing process, patiently answered my many questions, and made herself available even during off-hours and on weekends. More importantly, she didn't just tell me what was happening—she educated me along the way, which helped me feel informed and confident in the decisions I was making. Throughout the entire process, I genuinely felt that she was advocating for me and working to ensure I received the best deal and outcome possible. Her responsiveness, professionalism, knowledge, and commitment went well beyond my expectations. Purchasing a home can be an overwhelming experience, but with her assistance, it became one of the easiest and most pleasant major transactions I've ever experienced. She is truly a gem in her field, and I would recommend her without hesitation to anyone looking for a knowledgeable, dedicated, and genuinely client-focused mortgage professional. Five stars aren't enough! Ryan F. rated Adam Heiligman 5.0 stars: Adam gave us great advice and really helped us every step of the way! He helped us out so much. Thank you Adam! Douglas B. rated Marco Garofalo 5.0 stars: Marco help us during the entire process and made it smooth and easy until we closed on the house. Katiuska P. rated Erick Rodriguez 5.0 stars: Erick is amazing he has helped us twice now and always is great. he guides us though the whole process and is very knowledgeable in his work. So helpful and transparent no surprises. Go to Erick for all your needs! Connie K. rated Adam Heiligman 5.0 stars: Adam and Gabby were absolutely incredible from the first conversation to the completion of settlement. Every phone call and text message were answered including after normal business hours. Not only were they professional, they were friendly and compassionate. I honestly feel like I've known these two for years. I couldn't have done this without them. THANK YOU!

Today's Mortgage Rates in New Jersey

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Current New Jersey Mortgage and Refinance Rates

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Mortgage Rates Trend in New Jersey

What Affects Mortgage Interest Rates in New Jersey

Types of Mortgages Available in New Jersey

2026 Conforming and Jumbo Loan Limits in New Jersey

New Jersey Mortgage Payment Examples By Rate

New Jersey Mortgage FAQs

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