Residential First Mortgage
Owner Occupied | Fixed Rate
Conforming Loans*
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 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 05/14/2025 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 | 6.625% | 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 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 05/14/2025 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 | 6.750% | 7.140% | $11.48 |
15-Year Fixed | 15 | 6.875% | 7.154% | $8.92 |
20-Year Fixed | 20 | 7.000% | 7.226% | $7.75 |
25-Year Fixed | 25 | 7.125% | 7.321% | $7.15 |
30-Year Fixed | 30 | 7.250% | 7.427% | $6.82 |
***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 05/14/2025 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 | 7.000% | 7.174% | $6.65 |
6/1/30 ARM | 30 | 6.875% | 7.047% | $6.57 |
7/1/30 ARM | 30 | 7.000% | 7.174% | $6.65 |
10/1/30 ARM | 30 | 7.125% | 7.300% | $6.74 |
*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 | 7.250% | 7.427% | $6.82 |
6/1/30 ARM | 30 | 7.125% | 7.300% | $6.74 |
7/1/30 ARM | 30 | 7.250% | 7.427% | $6.82 |
10/1/30 ARM | 30 | 7.375% | 7.554% | $6.91 |
**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 | 7.250% | 7.648% | $11.74 |
15-Year Fixed | 15 | 7.375% | 7.662% | $9.20 |
20-Year Fixed | 20 | 7.500% | 7.733% | $8.06 |
25-Year Fixed | 25 | 7.625% | 7.828% | $7.47 |
30-Year Fixed | 30 | 7.750% | 7.935% | $7.16 |
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 05/14/2025 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.