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Mortgage Rates

| Search for Current Refinance Rates and Mortgage Rates from Many Lenders
Search and compare refinance rates and mortgage rates today from many lenders by using our search tool.The rate list below is displaying mortgage refinance rates for a $200,000 mortgage loan in your state. Change the search criteria to receive your own personalized mortgage quotes from many lenders at once.
Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
15 yr fixed refi in 08601, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
McGlone Mortgage Group Logo
NMLS # 3232
(877) 899-2767
at 0.000 pts
30 day lock rate
Est payment: $2,149.21
Fees in APR: None
 
 
Next button
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $878
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.125 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
 
Next button
at 0.100 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,990
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
at 1.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $2,366
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 1.125 pts
30 day lock rate
Est payment: $1,345.38
Fees in APR: None
 
Next button
Somerset Savings Bank, SLA
2.906%
5/17/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Audubon Savings Bank
3.292%
5/19/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $580
 
 
Manasquan Savings Bank
3.169%
5/17/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $606
 
 
Metuchen Savings Bank
3.080%
5/17/2016
3.000%
at 0.500 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $108
 
 
Millington Savings Bank
3.273%
5/18/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $316
 
 
Shore Community Bank
3.324%
5/19/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,018
 
 
OceanFirst Bank
3.031%
5/17/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $432
 
 
Credit Union of New Jersey
2.886%
5/18/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $147
 
 
Magyar Bank
3.000%
5/17/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: None
 
 
Kearny Bank
3.014%
5/17/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $200
 
 
LincolnWay Community Bank
2.953%
5/17/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $1,085
 
 
IAB Financial Bank
3.310%
5/18/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $828
 
 
Amalgamated Bank
2.983%
5/19/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $1,504
 
 
Proponent Federal Credit Union
3.192%
5/20/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $924
 
 
Bank of America
3.225%
5/23/2016
3.125%
at 0.268 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $850
 
 
HSBC Bank USA, N.A.
3.031%
5/18/2016
2.980%
at 0.000 pts
60 day lock rate
Est payment: $1,379.24
Fees in APR: $705
 
 
Santander Bank, N.A.
3.019%
5/23/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $2,004
 
 
Raymond James Bank, NA
3.348%
5/17/2016
3.250%
at 0.000 pts
45 day lock rate
Est payment: $1,405.34
Fees in APR: $1,354
 
 
Fulton Bank of New Jersey
3.183%
5/23/2016
3.125%
at 0.000 pts
30 day lock rate
Est payment: $1,393.22
Fees in APR: $807
 
 
TD Bank, NA
3.072%
5/20/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $997
 
 
Citizens Bank
3.051%
5/13/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $703
 
 
United Teletech Financial
3.057%
5/18/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Affinity FCU
3.007%
5/20/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $97
 
 
Regent Bank
2.944%
5/19/2016
2.875%
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: $955
 
 
Valley National Bank
3.042%
5/20/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $577
 
 
Financial Resources Federal Credit Union
3.037%
5/20/2016
3.000%
at 0.000 pts
60 day lock rate
Est payment: $1,381.16
Fees in APR: $510
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.



eRates Mortgage is quoting mortgage rates well below current average mortgage rates and is even offering some of the lowest refinance rates available in the rate database. For example, average 30 year conforming mortgage rates are at 3.68 percent today and eRates is offering 30 year rates at 3.375 percent.

You might not have heard of eRates Mortgage but they have been around before the internet was widely used. eRates was founded in Charlotte, North Carolina, in August of 1991 and has grown to now offer rates in 32 states. eRates is a direct-to-consumer lender and specializes in Conventional, FHA, & VA loans. eRates also offers jumbo loans up to $2,000,000.

15 year mortgage rates today are averaging 2.79 percent and eRates is currently quoting 15 year refinance rates well below the average. eRates is quoting 15 year conforming rates at 2.50 percent with 1.10 mortgage points. Paying points upfront on a loan allows the borrower to secure a lower rate. If you don’t want to pay points, eRates is quoting 15 year rates at 2.875 percent with no points.

Today’s 30 year jumbo mortgage rates are averaging 4.17 percent. eRates is quoting 30 year jumbo refinance rates well below the average at 3.50 percent with 1.10 mortgage points. You can see quotes from eRates Mortgage in your state by searching our database of rates.

 
Author: Brian McKay
April 29th, 2016

Near-record low mortgage rates are helping the housing market by boosting buyer’s purchasing power. The Mortgage Bankers Association reported mortgage applications for home purchases are up 20 percent compared to last year. With average 30 year conforming mortgage rates at 3.63 percent this week, it’s no surprise that home buyers are taking advantage of low rates.

30 year mortgage rates are 3 basis points higher than last week’s average rate but only 36 basis points from the all-time average low set in early 2013. Realtor.com reported a record number of searches for homes on their website with 2 percent fewer homes available compared to last year.

Homes are also selling at a faster clip this month when compared to sales in March. Nationwide, the median number of days homes were on the market dropped 14 days in the first two weeks of April, compared to the first two weeks of March.

Employment growth is another factor helping spur home sales in 2016. The nation’s unemployment rate is at 5.00 percent and is forecast to dropped further in 2016. The Federal Open Market Committee’s Summary of Economic Projections has forecast the unemployment rate to drop to 4.7 percent in 2016.

All of these factors point to a banner year for the housing market in 2016. If you’re thinking about buying a home, now is one of the best times to do so. Home prices are expected to increase in 2016 and mortgage rates are also expected to move higher. As mortgage rates and home prices move higher, you will be able to afford less home than you could now.

Average 30 year mortgage rates are at 3.63 percent but there are many lenders quoting 30 year rates well below the average. The lowest 30 year rate quoted in our rate database is at 3.25 percent with 2 mortgage points and at 3.50 percent with no points.

The lowest 30 year jumbo mortgage rate in our database is even lower than the lowest 30 year conforming rate. Right now, we have one lender quoting 30 year jumbo rates at 3.125 percent with 2 mortgage points. The lowest 30 year jumbo rate without points is also at 3.50 percent.

 
Author: Brian McKay
April 20th, 2016

Average mortgage rates are mixed this week. 30 year rates moved higher and 15 year rates moved lower. 30 year conforming rates are averaging 3.70 percent, up from the prior week’s average rate of 3.66 percent. 15 year rates are averaging 2.79 percent, down 1 basis point from last week’s average of 2.80 percent.

The lowest 30 year rate available in our rate database for California is at 3.125 percent with points. AimLoan is offering the 3.125 percent rate with 1.10 points and American Interbanc Mortgage with 0.10 points. The lowest 30 year rate without points is at 3.375 percent from Empire America.

The best 15 year mortgage rate available in our database for the state of Texas is from AimLoan at 2.375 percent with 1.10 points. The best 15 year rate without points is also from AimLoan at 2.625 percent.

You can search for mortgage rates and refinance rates in the state you live in by using our rate tables here: Mortgage Rates Today.

Average 30 year jumbo mortgage rates are also slightly higher today at 4.06 percent, an increase from the prior week’s average of 4.04 percent. Average 15 year jumbo mortgage rates are at 4.14 percent, down from last week’s average rate of 4.16 percent.

The best 30 year jumbo rates available in our database for New Jersey are at 3.25 percent with 1.10 points from eRates Mortgage. The best 30 year jumbo rate in NJ without points is from TD Bank at 3.50 percent.

5 year conforming adjustable mortgage rates are unchanged this week, averaging 3.19 percent. The lowest 5 year adjustable rate available in the database for Florida is from AimLoan at 2.125 percent with 1.10 points. The lowest 5 year rate without points is at 2.45 percent from Third Federal Savings and Loan.

Average 5 year jumbo adjustable mortgage rates are averaging 3.88 percent, down 1 basis point from last week’s average rate of 3.89 percent. The lowest 5 year jumbo adjustable rate in our database for New York is from Teachers Federal Credit Union at 2.125 percent with no points.

 
Author: Brian McKay
March 22nd, 2016

Third Federal Savings and Loan is offering some very competitive mortgage rates right now. Third Federal mortgage rates are competitive for both fixed and adjustable loans. The lowest quoted mortgage rate right now is on Third Federal’s 3/1 Smart Rate Adjustable loan at 1.99 percent with no points. 

Third Federal $295 Closing Cost MortgageThird Federal also offers a lower closing cost option on a 3/1 ARM but the rate is higher. Third Federal’s 3/1 Smart Rate Adjustable Low Cost rate is 2.49 percent with only $249.00 in closing costs. The Low Cost closing cost option is also available on other loans at Third Federal.

Current Advertised Mortgage Rates at Third Federal Savings and Loan

Third Federal Rates

Refinance Mortgage Term Loan Amount Points Rates APR
5/1 Low Cost Smart Rate 15 year $110K-$417K 0 pts 2.74% 3.09%
5/1 Low Cost Smart Rate 30 year $110K-$417K 0 pts 2.79% 3.27%
3/1 Low Cost Smart Rate 15 year $110K-$417K 0 pts 2.44% 3.12%
3/1 Low Cost Smart Rate 30 year $110K-$417K 0 pts 2.49% 3.29%
10 Year Low Cost Fixed 10 year $110K-$417K 0 pts 2.79% 2.83%
10 Year Fixed 10 year   0 pts 2.39% 2.60%

See how these mortgage rates compare with other lender’s rates by searching our rate database at Mortgage Rates.

 
Author: Brian McKay
March 1st, 2016

As expected, mortgage rates declined the past week due to bond yields moving lower. 10 year bond yields fell to a new low for 2015, falling as low as 1.56 percent last week. During the same time, average 30 year mortgage rates fell to 3.56 percent.

Both bond yields and mortgage rates moved higher since the lows made last week, but we don’t expect yields and rates to move much higher from current levels. 30 year mortgage rates today are averaging 3.65 percent and 10 year bond yield are averaging 1.81 percent.

Lower Mortgage Rates This WeekThe lowest 30 year refinance rates in our database are 40 basis points lower than the average at 3.25 percent with 2 mortgage points. When you pay points on a loan, you’re able to buy down the rate by paying more at closing. 2 points are equal to 2 percent of the loan amount. The lowest 30 year refinance rate without points in our database is still below the average at 3.375 percent.

Average 15 year mortgage rates are at 2.81 percent this week, down from the prior week’s average 15 year rate of 2.87 percent. The lowest 15 year refinance rate available in our database is at 2.50 percent with 2 points. The lowest 15 year rate without points is at 2.75 percent.

30 year jumbo mortgage rates are currently averaging 4.12 percent, a decline from the previous week’s average 30 year jumbo rate of 4.21 percent. The lowest 30 year jumbo refinance rate available in our database is at 3.375 percent with with no points.

Current mortgage rates on 15 year jumbo loans are averaging 3.65 percent, down from last week’s average rate of 3.73 percent. The best 15 year jumbo refinance rates in our database are currently at 2.875 percent with 1 point and at 3.00 percent with no points.

You can check on current rates in your state by searching our rate database at MortgageRates.MonitorBankRates.com.

 
Author: Brian McKay
February 17th, 2016