Residential First Mortgage
Owner Occupied | Fixed Rate

 

Conforming Loans*

Conforming Loans
Type Term Interest Rate APR* Payment per $1,000
10-Year Fixed 10 6.250% 6.631% $11.23
15-Year Fixed 15 6.375% 6.647% $8.64
20-Year Fixed 20 6.500% 6.719% $7.46
25-Year Fixed 25 6.625% 6.814% $6.83
30-Year Fixed 30 6.750% 6.920% $6.49

*Conforming Loans
Max loan amount of $806,500
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 04/02/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.
APR based on a $100,000 loan.


 

Super Conforming Loans**

Super Conforming Loans
Type Term Interest Rate APR* Payment per $1,000
10-Year Fixed 10 6.500% 6.886% $11.35
15-Year Fixed 15 6.625% 6.901% $8.78
20-Year Fixed 20 6.750% 6.973% $7.60
25-Year Fixed 25 6.875% 7.067% $6.99
30-Year Fixed 30 7.000% 7.174% $6.65

**Super Conforming Loans
Max loan amount of $1,209,750
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 04/02/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.
APR based on a $100,000 loan.


 

Jumbo Loans***

Jumbo Loans
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 7.00% 7.194% $7.07
30-Year Fixed 30 7.125% 7.300% $6.74

***Jumbo Loans
Max loan amount - Call for details
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 04/02/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.
APR based on a $100,000 loan.


Adjustable Rate Mortgages

 

Conforming & Super Conforming Loans*

Adjutable Conforming & super
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% 6.920% $6.49
7/1/30 ARM 30 6.875% 7.047% $6.57
10/1/30 ARM 30 7.000% 7.174% $6.65

*Conforming and Super Conforming Loans
Max Loan amount – $1,209,750
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.


Jumbo**

Adjutable Jumbo
Type Term Interest Rate APR* Payment per $1,000
5/5/30 ARM 30 7.125% 7.300% $6.74
6/1/30 ARM 30 7.000% 6.174% $6.65
7/1/30 ARM 30 7.125% 7.300% $6.74
10/1/30 ARM 30 7.250% 7.427% $6.82

**Jumbo
Max Loan amount – Call for details
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 Property
Type Term Interest Rate APR* Payment per $1,000
10-Year Fixed 10 7.125% 7.521% $11.68
15-Year Fixed 15 7.250% 7.535% $9.13
20-Year Fixed 20 7.375% 7.607% $7.98
25-Year Fixed 25 7.500% 7.701% $7.39
30-Year Fixed 30 7.625% 7.808% $7.08

Max Loan amount of $1,209,750
1-2 Family max 70% LTV
Condo/Townhome max 65% 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 investment property in NJ, minimum credit score of 740, a maximum 70% LTV, and 1.00% in discount points as a cost to borrowers. Rates, terms, and fees as 04/02/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.
APR based on a $100,000 loan.