Residential Loan Rates

Calculate Loan Rates

Residential First Mortgage

Conforming Loans*

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

5.000%

5.361%

$10.61

15 Year Fixed

15

5.125%

5.379%

$7.97

20 Year Fixed

20

5.250%

5.452%

$6.74

25 Year Fixed

25

5.375%

5.547%

$6.07

30 Year Fixed

30

5.500%

5.653%

$5.68

Super Conforming Loans*

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

5.250%

5.615%

$10.61

15 Year Fixed

15

5.375%

5.633%

$7.97

20 Year Fixed

20

5.500%

5.705%

$6.74

25 Year Fixed

25

5.625%

5.800%

$6.07

30 Year Fixed

30

5.750%

5.906%

$ 5.68

Adjustable Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

5/5/30 ARM

30

6.250%

6.413%

$6.16

6/1/30 ARM

30

6.000%

6.966%

$6.00

7/1/30 ARM

30

6.500%

7.142%

$6.32

10/1/30 ARM

30

6.750%

7.166%

$6.49

Investment Property | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

6.250%

6.631%

$11.23

15 Year Fixed

15

6.750%

7.028%

$8.85

20 Year Fixed

20

7.250%

7.480%

$7.90

25 Year Fixed

25

7.750%

7.955%

$7.55

30 Year Fixed

30

7.875%

8.062%

$7.25

Conforming & Super Conforming

Max loan amount of $1,089,300.

Down payment of less than 20% requires PMI resulting in higher payments and APR.

Condo/Townhouse max 75% LTV.

Cash Out Refinance transactions add 0.125% to the above stated rates. 

*Current interest rates and APRs are based on the following assumptions: purchase of a single-family, primary residence, in NJ, credit score of 740, a 75% LTV, and includes 1.00 in discount point as a cost to borrowers. Rates, terms, and fees as of 2/2/2023 10:30 AM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

Investment Properties

Max LTV of 70% - Max loan amount $1,089,300.

Condo/Townhouse reduce the stated LTV by 5%

Cash Out Refinance transactions add 0.125% to the above stated rates.

*APR= Annual Percentage Rate. APR based on a $100,000 loan.

Jumbo Residential First Mortgage

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

Call

For

Rates

15 Year Fixed

15

Call

For

Rates

20 Year Fixed

20

Call

For

Rates

25 Year Fixed

25

Call

For

Rates

30 Year Fixed

30

Call

For

Rates

Adjustable Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

5/5/30 ARM

30

6.250%

6.413%

$6.16

6/1/30 ARM

30

6.000%

6.966%

$6.00

7/1/30 ARM

30

6.500%

7.142%

$6.32

10/1/30 ARM

30

6.750%

7.166%

$6.49

Investment Property | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

6.250%

6.631%

$11.23

15 Year Fixed

15

6.750%

7.028%

$8.85

20 Year Fixed

20

7.250%

7.480%

$7.90

25 Year Fixed

25

7.750%

7.955%

$7.55

30 Year Fixed

30

7.875%

8.062%

$7.25

Max LTV: 80% up to $1,089,300

Condo/Townhouse reduce the stated LTV’s by 5%.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Loan amounts over $2MM call for rates, terms and conditions.

*Current interest rates and APRs are based on the following assumptions: purchase of a single-family, primary residence, in NJ, credit score of 740, a 75% LTV, and includes 1.00 in discount point as a cost to borrowers. Rates, terms, and fees as of 2/2/2023 10:30 AM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

Investment Properties

Max LTV: 70% up to $1,089,300

Condo/Townhouse reduce the stated LTV’s by 5%.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Loan amounts over $2MM call for rates, terms and conditions.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

 

 

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