Compare New Jersey’s Mortgage Rates | Saturday, August 30, 2025
Rates are current as of August 30, 2025 8:05 PM EDT
APR 6.64%
-0.02% 1wAPR 5.54%
-0.10% 1wAPR 6.86%
-0.03% 1w
NMLS#1880338
APR
6.00%
APR
6.00%
Interest rate
5.88%
Est. mo. payment
$2,367/mo
Total fees
$5,568
Next Door Lending is a wholly-owned subsidiary of NerdWallet
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Next Door Lending, a mortgage broker, offers expert assistance shopping for and closing a loan, as well as specialty loans at competitive rates. Mortgages are not available in every state.
- Offers a variety of loan types, including first-time buyer programs and loans for self-employed borrowers.
- Real-time rate quotes available while working with a broker.
- Responsive customer service.
- Competitive pricing often available, especially for non-traditional borrowers.
- Does not publish interest rates online.
- No mortgage mobile app.
- Loans are not available in every state.
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Simplist is an online marketplace of mortgage lenders; human guidance is optional. You’ll make payments to a loan servicer, not to Simplist. Loans are not available in every state.
Home loans overall
NerdWallet rating
4.5
- Loan origination process can be completed online.
- Offers government-backed FHA and VA loans.
- Offers module that compares mortgage rates among other lenders.
- Offers loans in many states and Washington, D.C., but not nationwide.
- Does not offer home equity loans or lines of credit.
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Online lender Tomo Mortgage uses tech to streamline the process. Its interactive rates tool and no origination fee promise are pluses, but loans aren’t available in every state.
NerdWallet rating
4.0
- Special program offers a pricing break for first first-time home buyers.
- Offers financing options for self-employed borrowers and those without Social Security numbers.
- Interactive mortgage rates tool takes credit score and location into account.
- Purchase loans are not available in all states.
- Doesn’t offer home equity loans or lines of credit.
- No refinancing options are available.
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Midwest-rooted Central Bank offers an online application, which you can track via mobile app. But you’ll have to contact the bank for mortgage rates.
Home loans overall
NerdWallet rating
4.0
- Among the best when it comes to online convenience.
- Offers a full selection of mortgage types and products, including jumbo, home equity, and government loans.
- Claims to offer preapproval within 24 hours of loan application.
- You'll have to complete a loan application to see mortgage interest rates.
- Bank branch locations limited to the Midwest.
- Does not offer home equity lines of credit.
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Home loans overall
NerdWallet rating
4.5
- Offers a variety of mortgage options, including jumbo loans, and FHA and VA loans.
- Offers home equity loans and lines of credit.
- Displays customized rates, with fee estimates, without requiring contact information.
- Doesn’t offer mortgages in all 50 states.
- Home renovation loans are not available.
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New American Funding offers a large menu of loan products, as well as programs like first-time home buyer assistance, but personalized mortgage rates aren't available on its website.
Home loans overall
NerdWallet rating4.5
- Offers a wide variety of purchase and refinance mortgages, as well as unique buyer assistance programs.
- Its home equity line of credit can be used for a primary residence or second home.
- Average origination fees are on the high side, according to the latest federal data.
- Personalized mortgage rates are not available on the website without providing contact information.
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Farmers Bank of Kansas City lets you browse rates and apply online, but branches are Kansas-only. Get discounts by using the bank’s partner real estate network.
Home loans overall
NerdWallet rating
4.5
- Displays customized rates, with fee estimates, without requiring contact information.
- Offers home equity loans and lines of credit.
- Mortgage origination fees are on the low side compared to other lenders, according to the latest federal data.
- Doesn’t offer government-backed FHA or USDA loans, or adjustable-rate mortgages.
- Home renovation loans are not available.
- Mortgage rates are on the high side compared to other lenders, according to the latest federal data.
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Home loans overall
NerdWallet rating
5.0
- Offers an online application and loan process updates.
- Offers mortgages for investment properties.
- Makes it easy to browse current rates and get a customized mortgage rate quote.
- Does not offer FHA or VA government-backed loans.
- No renovation mortgage options.
About these rates: The lenders whose rates appear on this table are NerdWallet's advertising partners. NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a lender's site. The terms advertised here are not offers and do not bind any lender. The rates shown here are retrieved via the Mortech rate engine and are subject to change. These rates do not include taxes, fees, and insurance. Your actual rate and loan terms will be determined by the partner's assessment of your creditworthiness and other factors. Any potential savings figures are estimates based on the information provided by you and our advertising partners.
Explore New Jersey’s mortgage rate trends
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Loan purpose
Loan type
New Jersey’s average 6.64%
New Jersey’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.63% | 6.64% |
| 30-year Fixed FHA | 5.91% | 6.64% |
| 30-year Fixed VA | 5.84% | 6.15% |
| 20-year Fixed | 6.26% | 6.27% |
| 15-year Fixed | 5.54% | 5.54% |
| 10-year Fixed | 5.49% | 5.49% |
| 3-year ARM | 3.72% | 3.45% |
| 5-year ARM | 6.44% | 6.86% |
| 7-year ARM | 6.36% | 6.74% |
| 10-year ARM | 6.63% | 6.64% |
Accurate as of 08/30/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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Today’s mortgage rates in New Jersey | Saturday, August 30, 2025
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