Mortgage Rates in New Jersey | Refinance Rates

Whether mortgage interest rates are low or high, homeowners often want to refinance in order to reorganize their finances. Compare New Jersey mortgage rates from various lenders to see if there is a mortgage program that meets your needs.

If you want to pay off your loan faster, you may want to look for a 15-year fixed-rate loan or even a 10-year fixed-rate loan. If you would rather lower your monthly payments, check NJ mortgage rates to see if interest rates have dropped. Putting these figures through a mortgage calculator--or asking a qualified lender--will help you determine which home loan suits your needs.

Compare current NJ mortgage rates and then use resources at HSH.com to narrow down your mortgage choices for a purchase, refinance, or home equity loan.

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

2025 Conforming loan limits for New Jersey

County Name	One Family	Two Family	Three Family	Four Family

Atlantic County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Bergen County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Burlington County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Camden County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cape May County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Cumberland County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Essex County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Gloucester County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Hudson County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Hunterdon County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Mercer County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Middlesex County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Monmouth County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Morris County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Ocean County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Passaic County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Salem County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250
Somerset County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Sussex County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Union County	One Family$1,209,750	Two Family$1,548,975	Three Family$1,872,225	Four Family$2,326,875
Warren County	One Family$806,500	Two Family$1,032,650	Three Family$1,248,150	Four Family$1,551,250

Mortgage Rates in New Jersey | Refinance Rates | HSH Lender Showcase

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2025 Conforming loan limits for New Jersey

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