Residential Loan Rates |
Residential First MortgageConforming Loans*Owner Occupied | Fixed Rate
Conforming Max loan amount of $726,200 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, minimum credit score of 740, a maximum 75% LTV, and 1.00% in discount points as a cost to borrowers. Rates, terms, and fees as of 11/29/2023 2:38 PM 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. Super Conforming Loans*Owner Occupied | Fixed Rate
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, minimum credit score of 740, a maximum 75% LTV, and 1.00% in discount points as a cost to borrowers. Rates, terms, and fees as of 11/29/2023 2:38 PM 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. Adjustable Rate
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. Investment Property | Fixed Rate
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. |
Jumbo Residential First MortgageOwner Occupied | Fixed Rate*
Loan amounts over $2MM call for rates, terms and conditions. Down payment of 20% required. Condo/Townhouse max 75% LTV. Cash Out Refinance transactions add 0.25% 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, minimum credit score of 740, and a maximum 80% LTV. Rates, terms, and fees as of 12/1/2023 11:29 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. Adjustable Rate
Max Loan amount – call for details Down payment of 20% required. Condo/Townhouse max 75% LTV. Cash Out Refinance transactions add 0.125% to the above stated rates. **APR= Annual Percentage Rate. APR based on a $100,000 loan. Investment Property | Fixed Rate
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