New Jersey Mortgage Rates
Live Mortgage Rates in New Jersey
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New Jersey Conventional Purchase benchmark (80% LTV, 780 FICO), updated Wednesday, June 17, 2026 at 12:26 PM UTC
Sourced live from hundreds of wholesale lenders serving New Jersey
New Jersey Benchmark Rates
Lowest available rate with no discount points paid in New Jersey for each standard scenario, sourced live
| Scenario | Rate (no points) | APR |
|---|---|---|
Conventional Conventional Purchase (80% LTV, 780 FICO) · New Jersey | - | - |
FHA FHA Purchase (96.5% LTV, 680 FICO) · New Jersey | - | - |
VA VA Purchase (100% LTV, 680 FICO) · New Jersey | - | - |
2026 Loan Limits in New Jersey
Conforming (Conventional)
$832,750 baseline
Some New Jersey counties qualify as high-cost, with limits up to $1,249,125.
FHA
$541,287
Standard FHA limit. Select high-cost New Jersey counties allow more, up to $1,249,125.
VA
No loan limit
VA loans in New Jersey have no maximum when full entitlement is available.
USDA
Varies by area
USDA Rural Development loans follow area income limits rather than a state loan limit.
How New Jersey Mortgage Rates Are Calculated
The rates shown above reflect the lowest available wholesale pricing for New Jersey homebuyers and refinancers from the lenders Rate Direct actively monitors. Pricing is pulled live and refreshed hourly, so the number you see matches what a licensed mortgage broker could source at the time of the snapshot.
Your actual rate in New Jersey depends on your specific scenario - credit score, loan amount, property type, loan-to-value, and loan purpose all matter. A Newark buyer with 780 FICO at 80% LTV will price differently than one at 680 FICO or 95% LTV. To see your exact rate across hundreds of lenders, use the Rate Direct pricer.
New Jersey borrowers also have access to FHA, VA, and USDA programs with lower down payment requirements and more lenient credit guidelines. Compare all loan types on the Rate Index or explore down payment assistance programs.
New Jersey Mortgage Rates by Metro
See live mortgage rate benchmarks for specific New Jersey metros.
Get your personalized New Jersey mortgage rate
The rates above reflect the New Jersey market benchmark. Your actual rate depends on your scenario. See the lowest available rate with no discount points paid for your situation from hundreds of lenders serving New Jersey.