Residential First Mortgage
Owner Occupied | Fixed Rate
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**
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***
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*
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**
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
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.