Rates are current as of November 7, 2026 12:21 AM EST
APR 7.01%
-0.17% 1wAPR 6.52%
-0.10% 1wAPR 6.73%
-0.55% 1wMany or all of the products on this page are from partners who compensate us when you click to or take an action on their website, but this does not influence our evaluations or ratings. Our opinions are our own.
NMLS#2059741
APR
6.34%
Interest rate
6.00%
0 points
Est. mo. paymentEst. payment
$2,399/mo
Upfront costs: $14,152
8-yr cost: $195,469
4.5/5
Home loans overall
on lender's website
The Nerdy headline
Tomo, established in 2020, is an online-only lender with a focus on digital efficiency and purchase loans. We’re impressed with its customizable mortgage rate tool. However, you won’t find home equity products. Mortgages are available in 41 states and counting.
Upfront costs for this offer: $14,152
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$10,000
Underwriting fee
$5,000
Processing fee
$0
Other fees
$0
Lender credit
-$848
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$10,000
Underwriting fee
$5,000
Processing fee
$0
Other fees
$0
Lender credit
-$848
8-yr cost: $195,469
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#292473
APR
6.67%
Interest rate
6.49%
0 points
Est. mo. paymentEst. payment
$2,526/mo
Upfront costs: $7,195
8-yr cost: $204,215
3.5/5
Home loans overall
on lender's website
The Nerdy headline
Reliant offers a wide range of mortgage products, including government-backed loans and products for self-employed borrowers, but origination fees may be on the high side. You'll get access to a comprehensive rates dashboard after completing a quote request form.
3.5
|
Home loans overall
Upfront costs for this offer: $7,195
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$7,195
Processing fee
$0
Other fees
$0
Lender credit
$0
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$7,195
Processing fee
$0
Other fees
$0
Lender credit
$0
8-yr cost: $204,215
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#1764611
APR
6.72%
Interest rate
6.63%
0 points
Est. mo. paymentEst. payment
$2,562/mo
Upfront costs: $3,864
8-yr cost: $205,224
4.5/5
Home loans overall
on lender's website
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.
4.5
|
Home loans overall
Upfront costs for this offer: $3,864
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$3,000
Underwriting fee
$1,100
Processing fee
$0
Other fees
$0
Lender credit
-$236
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$3,000
Underwriting fee
$1,100
Processing fee
$0
Other fees
$0
Lender credit
-$236
8-yr cost: $205,224
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#408902
APR
7.03%
Interest rate
7.00%
0 points
Est. mo. paymentEst. payment
$2,662/mo
Upfront costs: $1,131
8-yr cost: $214,574
5.0/5
Home loans overall
on lender's website
The Nerdy headline
First Federal Bank stands out for its competitive APRs and its emphasis on government loans. Most likely to appeal to borrowers shopping for low rates and fees.
Upfront costs for this offer: $1,131
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,195
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$64
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,195
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$64
8-yr cost: $214,574
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#6606
APR
7.03%
Interest rate
6.99%
0 points
Est. mo. paymentEst. payment
$2,659/mo
Upfront costs: $1,629
8-yr cost: $214,749
4.0/5
Home loans overall
on lender's website
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.
Upfront costs for this offer: $1,629
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,629
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
$0
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,629
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
$0
8-yr cost: $214,749
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#407985
APR
7.05%
Interest rate
7.00%
0 points
Est. mo. paymentEst. payment
$2,662/mo
Upfront costs: $1,930
8-yr cost: $215,373
4.0/5
Home loans overall
on lender's website
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.
4.0
|
Home loans overall
Upfront costs for this offer: $1,930
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$995
Other fees
$0
Lender credit
-$60
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$995
Other fees
$0
Lender credit
-$60
8-yr cost: $215,373
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#1025894
APR
7.12%
Interest rate
7.12%
0 points
Est. mo. paymentEst. payment
$2,695/mo
Upfront costs: -$37
8-yr cost: $217,442
5.0/5
Home loans overall
on lender's website
The Nerdy headline
Mutual of Omaha stands out for fast closings, a generous credit score threshold on conventional loans and strong customer support, though its average APRs tend to skew higher than competitors.
Upfront costs for this offer: -$37
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$0
Other fees
$0
Lender credit
-$1,032
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$0
Underwriting fee
$995
Processing fee
$0
Other fees
$0
Lender credit
-$1,032
8-yr cost: $217,442
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
NMLS#1281698
APR
7.14%
Interest rate
7.12%
0 points
Est. mo. paymentEst. payment
$2,695/mo
Upfront costs: $643
8-yr cost: $218,122
4.5/5
Home loans overall
on lender's website
The Nerdy headline
Real Genius, A Division of Luminate Bank is a smart pick for a do-it-yourself online quote. We’re impressed with its "no fine print” approach and options to sort and customize APR and fees. However, Real Genius, A Division of Luminate Bank does not have a mobile app and doesn’t currently prioritize home equity lending.
Upfront costs for this offer: $643
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,395
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$752
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
Itemized fees from this lender's estimate for your loan terms.
Points: 0
$0
Origination fee
$1,395
Underwriting fee
$0
Processing fee
$0
Other fees
$0
Lender credit
-$752
8-yr cost: $218,122
Upfront lender fees + interest over the first 8 years.
All amounts are estimates based on information provided by the lender. Taxes and insurance are not included, and additional fees may apply. Contact the lender for an exact quote.
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.
See how rates have changed over time to understand past patterns and economic fluctuations
Historical timeline
Loan purpose
Loan type
New Jersey’s average 7.01%
| Product | Interest rate | APR |
|---|---|---|
| 30-year Fixed | 7.00% | 7.01% |
| 30-year Fixed FHA | 5.75% | 6.57% |
| 30-year Fixed VA | 5.90% | 6.18% |
| 20-year Fixed | 7.06% | 7.07% |
| 15-year Fixed | 6.50% | 6.52% |
| 10-year Fixed | 5.66% | 5.70% |
| 3-year ARM | 8.13% | 7.44% |
| 5-year ARM | 6.75% | 6.73% |
| 7-year ARM | 7.00% | 6.83% |
| 10-year ARM | 7.00% | 7.01% |
Accurate as of 11/06/2026.
Data source: ©Zillow, Inc. 2025. Use is subject to the Terms of Use
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