Residential 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.

**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.