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Today's Refinance Rates4.5%4.7% APR Fixed Mortgage

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New Jersey Mortgage Rates

With popular suburbs of New York City and Philadelphia and the popular vacation destination of the Jersey Shore, there is a wide range of potential housing options across the state of New Jersey.
With so many popular destinations in such a small geographic location, it should not surprise anyone that New Jersey clocks in as the most densely populated state in the country, which can dramatically inflate the cost of homeownership in the Garden State.

Common New Jersey Loan Types:

  • New Jersey conventional mortgages: New Jersey mortgage requirements and rates vary based on the area you live in, or want to live in, and your financial situation. Compare mortgage rates on FreeRateUpdate.com to find the option that's right for you.
  • New Jersey FHA loans: Home loans backed by the FHA are offered throughout the U.S. The FHA doesn't offer loans directly, you can find one through an FHA-approved lender in New Jersey on FreeRateUpdate.com today. FHA loans are typically offered to first-time homebuyers. FHA loans are designed for low- to moderate-income borrowers with lower credit scores.
  • New Jersey VA loans: VA loans are backed by the Department of Veterans Affairs; VA loans are offered to eligible active duty service members and veterans. The VA doesn't offer loans directly, but you can find one through a VA-approved lender in New Jersey through FreeRateUpdate.com. VA loans require no down payment and typically have lower interest rates than conventional mortgages.

New Jersey Mortgage Rates Compared to National Averages

Whether you are looking for a 30-year fixed-rate mortgage, a 5/1 adjustable-rate mortgage, or anything in between, New Jersey homebuyers will usually find that the interest rates available to them come in slightly below the national average.
This is also true for any current New Jersey residents that might be looking for a great deal to refinance their existing mortgage into something with a better interest rate.