Compare New Jersey’s Mortgage Rates | Thursday, September 4, 2025
Rates are current as of September 4, 2025 2:53 PM EDT
APR 6.53%
-0.07% 1wAPR 5.50%
-0.05% 1wAPR 6.86%
-0.01% 1w
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Home loans overall
NerdWallet rating
4.0
- Offers a wide variety of purchase mortgages, including renovation and construction loans.
- Has a fully-digital mortgage application process.
- Publishes only sample mortgage rates; you must contact the lender for customized rates.
- Does not offer adjustable-rate mortgages.
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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The Nerdy headline
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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The Nerdy headline
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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The Nerdy headline
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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The Nerdy headline
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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The Nerdy headline
First Federal Bank Mortgage Lenders stands out for its focus on government loan lending, and will likely appeal to FHA, VA and other niche loan borrowers.
Home loans overall
NerdWallet rating4.5
- Over 40% of all loans last year were FHA, VA or USDA loans.
- Average mortgage rates are on the lower side, according to the latest federal data.
- Offers 15-, 20-, 25-, and 30-year repayment terms, which is unusually flexible.
- No dedicated mobile app for mortgage borrowers.
- Some loans (including home equity products) are geographically limited.
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The Nerdy headline
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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The Nerdy headline
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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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 6.53%
New Jersey’s average mortgage rates today
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 6.53% | 6.53% |
| 30-year Fixed FHA | 5.91% | 6.64% |
| 30-year Fixed VA | 5.81% | 6.14% |
| 20-year Fixed | 6.19% | 6.19% |
| 15-year Fixed | 5.49% | 5.50% |
| 10-year Fixed | 5.49% | 5.49% |
| 3-year ARM | 3.72% | 3.45% |
| 5-year ARM | 6.43% | 6.86% |
| 7-year ARM | 6.45% | 6.79% |
| 10-year ARM | 6.53% | 6.53% |
Accurate as of 09/04/2025.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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Today’s mortgage rates in New Jersey | Thursday, September 4, 2025
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