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

6.375%

6.758%

$11.29

15 Year Fixed

15

6.500%

6.774%

$8.71

20 Year Fixed

20

6.625%

6.846%

$7.53

25 Year Fixed

25

6.750%

6.940%

$6.91

30 Year Fixed

30

6.875%

7.047%

$6.57

Conforming

Max loan amount of $766,550

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 6/5/2024 11:10 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.

Super Conforming Loans*

Owner Occupied | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

6.625%

7.013%

$11.42

15 Year Fixed

15

6.750%

7.028%

$8.85

20 Year Fixed

20

6.875%

7.099%

$7.68

25 Year Fixed

25

7.000%

7.194%

$7.07

30 Year Fixed

30

7.125%

7.300%

$6.74

Super Conforming 

Max loan amount of $1,149,825

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 6/5/2024 11:10 AM 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

Type

Term

Interest Rate

APR**

Payment per $1,000

5/5/30 ARM

30

6.875%

7.047%

$6.57

6/1/30 ARM

30

6.750%

7.513%

$6.49

7/1/30 ARM

30

6.875%

7.515%

$6.57

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

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

7.375%

8.284%

$11.81

15 Year Fixed

15

7.500%

8.297%

$9.27

20 Year Fixed

20

7.750%

8.495%

$8.21

25 Year Fixed

25

7.875%

8.590%

$7.64

30 Year Fixed

30

8.000%

8.697%

$7.34

 

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 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

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 3/12/2024 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

Type

Term

Interest Rate

APR**

Payment per $1,000

5/5/30 ARM

30

6.875%

7.047%

$6.57

6/1/30 ARM

30

6.750%

7.513%

$6.49

7/1/30 ARM

30

6.875%

7.515%

$6.57

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

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

7.375%

8.284%

$11.81

15 Year Fixed

15

7.500%

8.297%

$9.27

20 Year Fixed

20

7.750%

8.495%

$8.21

25 Year Fixed

25

7.875%

8.590%

$7.64

30 Year Fixed

30

8.000%

8.697%

$7.34

 

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