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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	5.875%	6.601%	1.750	$2,251
VA 30-Year Fixed	5.750%	6.087%	2.125	$2,068
Conventional 15-Year Fixed	5.625%	6.018%	2.125	$2,883
Conventional 30-Year Fixed	6.250%	6.479%	2.000	$2,155
Jumbo 30-Year Fixed	6.125%	6.317%	1.875	$5,772

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	5.875%	6.699%	2.500	$2,251
VA 30-Year Refinance	5.875%	6.159%	2.500	$2,080
Conventional 15-Year Refinance	5.750%	6.237%	2.500	$2,906
Conventional 30-Year Refinance	6.375%	6.663%	2.375	$2,183
Jumbo 30-Year Refinance	6.125%	6.349%	2.125	$5,772

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 6.601% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 1.750 discount points. Payment is Principal and Interest example only.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 6.087% APR and $2,068 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.018% APR and $2,883 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 6.479% APR and $2,155 monthly payment at 70% loan-to-value (LTV) and 2.000 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 6.317% APR and $5,772 monthly payment at 70% loan-to-value (LTV) and 1.875 discount points. Payment is Principal and Interest example only.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 6.699% APR and $2,251 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 6.159% APR and $2,080 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.237% APR and $2,906 monthly payment at 70% loan-to-value (LTV) and 2.500 discount points. Payment is Principal and Interest example only.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 6.663% APR and $2,183 monthly payment at 70% loan-to-value (LTV) and 2.375 discount points. Payment is Principal and Interest example only.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 6.349% APR and $5,772 monthly payment at 70% loan-to-value (LTV) and 2.125 discount points. Payment is Principal and Interest example only.

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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.

5.0

Adam was the best! From start to finish, he made what can often be a stressful process feel smooth, organized, and manageable. He was always available to answer questions, explain every step, and provide honest guidance throughout our home-buying journey.

Naoma G.

Verified Customer

May 29, 2026

5.0

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!

Benjamin C.

Verified Customer

August 16, 2026

5.0

I cant thank enough Kristen Clarke and her team for guiding me to every step from pre approval , last minute transactions and processing to closing.Your professionalism and attention to detail made the entire homeownership journey smoother than expected. Im truly greatful for the time and effort you spent ensuring everything went right. You made the "impossible " possible . Your dedication helped turn our american dream home a reality. Highly recommended Lower,LLC for the first time homebuyers who wants a stress free journey

Maria P.

Verified Customer

July 17, 2026

5.0

Marco was so great to work with during this process. He was helpful and made sure we were getting the best rates for our mortgage. We would recommend working with him in the future.

Gabrielle V.

Verified Customer

August 14, 2026

5.0

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!

Haley C.

Verified Customer

August 5, 2026

5.0

She made our dresms come true! Exceptional work!

William B.

Verified Customer

July 6, 2026

Naoma G. rated Adam Heiligman 5.0 stars: Adam was the best! From start to finish, he made what can often be a stressful process feel smooth, organized, and manageable. He was always available to answer questions, explain every step, and provide honest guidance throughout our home-buying journey. 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! Maria P. rated Kristen Clarke 5.0 stars: I cant thank enough Kristen Clarke and her team for guiding me to every step from pre approval , last minute transactions and processing to closing.Your professionalism and attention to detail made the entire homeownership journey smoother than expected. Im truly greatful for the time and effort you spent ensuring everything went right. You made the "impossible " possible . Your dedication helped turn our american dream home a reality. Highly recommended Lower,LLC for the first time homebuyers who wants a stress free journey Gabrielle V. rated Marco Garofalo 5.0 stars: Marco was so great to work with during this process. He was helpful and made sure we were getting the best rates for our mortgage. We would recommend working with him in the future. 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! William B. rated Gabriela Slazak 5.0 stars: She made our dresms come true! Exceptional work!

Today's Mortgage Rates in New Jersey

NJ Mortgage Rate Insights

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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