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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
 
Loanwise Financial LLC Logo
NMLS # 1469915
(877) 617-7831
at 0.000 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: $1,050
Thank you for your quote! 
 
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Watermark Home Loans Logo
NMLS # 1838
State Lic # 1838
(877) 526-4069
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: None
 
 
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Commonwealth Mortgage, LLC Logo
NMLS # 1023
(877) 330-6018
at 0.000 pts
30 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
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eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
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Better Mortgage Inc Logo
NMLS # 330511
(877) 345-9069
at 0.000 pts
45 day lock rate
Est payment: $1,345.38
Fees in APR: $1,352
Thank you for your quote. 
 
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e-Lend Logo
NMLS # 2826
State Lic # 9823386
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $870
 
 
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at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
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Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.000 pts
44 day lock rate
Est payment: $1,345.38
Fees in APR: $695
 
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Commonwealth Mortgage, LLC Logo
NMLS # 1023
(877) 330-6018
at 1.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,166
 
 
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Better Mortgage Inc Logo
NMLS # 330511
(877) 345-9069
at 0.100 pts
45 day lock rate
Est payment: $1,321.84
Fees in APR: $3,232
Thank you for your quote. 
 
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e-Lend Logo
NMLS # 2826
State Lic # 9823386
at 1.000 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $2,657
 
 
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eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 0.100 pts
45 day lock rate
Est payment: $1,333.58
Fees in APR: $1,550
Thank you for your inquiry, we will be in touch shortly. 
 
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Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 0.125 pts
44 day lock rate
Est payment: $1,345.38
Fees in APR: $695
 
Next button
at 0.100 pts
30 day lock rate
Est payment: $1,333.58
Fees in APR: $1,416
Thank you for your inquiry, we will be in touch shortly. 
 
Next button
eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 1.100 pts
45 day lock rate
Est payment: $1,321.84
Fees in APR: $1,050
Thank you for your inquiry, we will be in touch shortly. 
 
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Commonwealth Mortgage, LLC Logo
NMLS # 1023
(877) 330-6018
at 2.000 pts
30 day lock rate
Est payment: $1,332.64
Fees in APR: $3,752
 
 
Next button
Garden State Home Loans Logo
NMLS # 473163
(877) 602-5604
at 1.125 pts
44 day lock rate
Est payment: $1,333.58
Fees in APR: $695
 
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Shore Community Bank
3.324%
8/25/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $1,018
 
 
OceanFirst Bank
2.906%
8/23/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $432
 
 
Audubon Savings Bank
3.042%
8/25/2016
3.000%
at 0.000 pts
45 day lock rate
Est payment: $1,381.16
Fees in APR: $580
 
 
Somerset Savings Bank, SLA
2.781%
8/23/2016
2.750%
at 0.000 pts
90 day lock rate
Est payment: $1,357.24
Fees in APR: $432
 
 
Amalgamated Bank
2.983%
8/25/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $1,504
 
 
LincolnWay Community Bank
2.828%
8/23/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $1,085
 
 
Manasquan Savings Bank
2.918%
8/23/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $606
 
 
IAB Financial Bank
3.060%
8/24/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $828
 
 
Kearny Bank
2.764%
8/23/2016
2.750%
at 0.000 pts
45 day lock rate
Est payment: $1,357.24
Fees in APR: $200
 
 
Magyar Bank
2.875%
8/23/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: None
 
 
Valley National Bank
2.791%
8/26/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $577
 
 
TD Bank, NA
2.947%
8/19/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $997
 
 
Fulton Bank of New Jersey
2.933%
8/29/2016
2.875%
at 0.000 pts
60 day lock rate
Est payment: $1,369.17
Fees in APR: $807
 
 
Bank of America
3.031%
8/29/2016
2.875%
at 0.659 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $850
 
 
Santander Bank, N.A.
2.894%
8/29/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $2,004
 
 
Raymond James Bank, NA
3.223%
8/23/2016
3.125%
at 0.000 pts
45 day lock rate
Est payment: $1,393.22
Fees in APR: $1,354
 
 
Proponent Federal Credit Union
2.941%
8/26/2016
2.875%
at 0.000 pts
45 day lock rate
Est payment: $1,369.17
Fees in APR: $924
 
 
Affinity FCU
2.757%
8/26/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $97
 
 
Millington Savings Bank
3.273%
8/25/2016
3.250%
at 0.000 pts
30 day lock rate
Est payment: $1,405.34
Fees in APR: $316
 
 
Credit Union of New Jersey
2.760%
8/26/2016
2.750%
at 0.000 pts
30 day lock rate
Est payment: $1,357.24
Fees in APR: $147
 
 
Financial Resources Federal Credit Union
2.786%
8/26/2016
2.750%
at 0.000 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $510
 
 
United Teletech Financial
3.057%
8/25/2016
3.000%
at 0.000 pts
30 day lock rate
Est payment: $1,381.16
Fees in APR: $795
 
 
Metuchen Savings Bank
2.829%
8/23/2016
2.750%
at 0.500 pts
60 day lock rate
Est payment: $1,357.24
Fees in APR: $108
 
 

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.



Average 30 year mortgage rates are now only 8 basis points above the all-time record low of 3.31 set in 2012. 30 year conforming mortgage rates fell this week to 3.39 percent, down from last week’s average 30 year rate of 3.42 percent.

The lowest 30 year refinance rates available in our database are much lower than the average 30 year rate. We have a handful of lenders quoting 30 year refinance rates at 3.00 percent with points and at 3.25 percent with no points.

Mortgage rates today on 15 year conforming loans are averaging 2.67 percent, a decline from last week’s average 15 year mortgage rate of 2.68 percent. Average 15 year mortgage rates are only 4 basis points above the all-time record low of 2.63 percent set in November 2012.

The lowest 15 year refinance rates available on our database are also lower than the average 15 year rate. The lowest 15 year refinance rate with points is at 2.375 percent and the lowest refi rate without points is at 2.625 percent.

30 year jumbo mortgage rates are currently averaging 3.80 percent, down from the previous week’s average 30 year jumbo mortgage rate of 3.84 percent. The best 30 year jumbo refinance rate with points in our database is at 3.125 percent and the lowest rate without points is at 3.50 percent.

Average 15 year jumbo mortgage rates today are at 3.39 percent, down from last week’s average 15 year jumbo rate of 3.43 percent. The best 15 year jumbo refinance rate in our database is lower at 2.75 percent with points and at 2.875 percent without points.

You can search for and compare the lowest mortgage rates in your state by using searching our rate database at MortgageRates.MonitorBankRates.com. Unlike most websites you don’t have to provide any personal information to see a list of mortgage rates.

 
Author: Brian McKay
August 25th, 2016

Applications for mortgage loans increased 7.1 percent in the latest Mortgage Application Survey released by the Mortgage Bankers Association. Loan volume was higher because of lower mortgage rates, driven lower on a weak 2nd quarter GDP report released July 29th.

The advance estimate for 2nd quarter GDP was expected to be 2.4 percent but the actual number came in much lower at 1.2 percent. As a result of the weak report, 10 year bond yields fell. Lenders set fixed long term mortgage rates to long term U.S. Treasury yields, so when yields fall, lenders lower mortgage rates.

The downturn in average mortgage rates was short-lived. A strong July Employment Report released last Friday sent mortgage rates higher this week. Nonfarm payrolls increased by 255,000 in July, much higher than the forecast of 180,000 jobs.

Despite the increase, average 30 year mortgage rates are less than 10 basis points above the all-time record low. 30 year mortgage rates today are currently averaging 3.40 percent, up from the prior week’s average 30 year rate of 3.39 percent. The all-time record low average 30 year rates was 3.31 percent set in the fourth quarter of 2012.

Average 30 year rates are at 3.40 percent but lenders are quoting rates well below the average. Searching our rate tables for Florida, Sebonic Financial (NMLS # 66247) is quoting 30 year refinance rates at 3.125 percent with 1.10 mortgage points. The lowest 30 year rate without points is from AmCap Funding (NMLS # 324589) at 3.375 percent.

Current mortgage rates on 15 year loans are averaging 2.68 percent, up from the previous week’s average 30 year rate of 2.66 percent. The lowest 15 year refi rate without points in our rate database for Florida is also from Sebonic Financial at 2.50 percent with 1.10 points. The lowest 15 year rate without points is from Grow Financial FCU at 2.697 percent.

You can search for and compare mortgage rates from many different lenders in your state by using our rate table. There is no need to provide any personal information or contact information to see a list of rates. Compare rates in your state at MortgageRates.MonitorBankRates.com.

 
Author: Brian McKay
August 10th, 2016

Mortgage rates continue to decline in 2016, hitting another new low for the year. Average 30 year mortgage rates fell to 3.36 percent this week, down from last week’s average 30 year mortgage rate of 3.43 percent. 30 year rates are now only 5 basis points higher than the all-time record low of 3.31 percent set in late 2012.

The latest data forcing mortgage rates lower was the advance 2nd quarter GDP estimate released last Friday. Analyst forecasts for 2nd quarter GDP was 2.4 percent but the actually number came in much lower at 1.2 percent. The news forced 10 year U.S. bond yields back below 1.50 percent. Lenders set mortgage rates based on 10 year bond yields so as bond yields decline, mortgage rates follow suit.

Average and Current Mortgage Rates Available

The lowest 30 year conforming mortgage rates available in our database of rates are at 3.00 percent with 1.10 mortgage points. The lowest 30 year mortgage refinance rates without points are at 3.373 percent.

15 year mortgage rates today are averaging 2.65 percent, a decline from last week’s average 15 year rate of 2.69 percent. The lowest 15 year refinance rates available with points are at 2.25 percent with 1.10 points. The lowest 15 year refi rates without points are just below the average at 2.625 percent.

Today’s 5 year adjustable mortgage rates are averaging 2.87 percent, a decline from last week’s average 5 year adjustable rate of 2.93 percent. The best 5 year adjustable ARMs on our rate list are at 2.50 percent with 1.10 points and at 2.625 percent with zero points.

30 year jumbo mortgage rates on average fell considerably the past week to 3.82 percent. The previous week’s average 30 year jumbo rate was at 4.00 percent. The lowest 30 year jumbo refinance rates in the database are at 2.125 percent with 2 mortgage points. The lowest 30 year jumbo refinance rate without points is still below the average at 3.375 percent.

15 year jumbo mortgage rates are averaging 3.33 percent this week, down from last week’s average 15 year jumbo rate of 3.45 percent. The lowest 15 year jumbo refinance rate in our database is at 2.75 percent with 2 mortgage points and at 2.875 percent with no points.

5 year adjustable jumbo mortgage rates are averaging 2.89 percent, down from last week’s average rate of 3.07 percent. The lowest 5 year jumbo adjustable refinance rates are much lower at 2.00 percent with 2 points. The lowest 5 year jumbo refi rate without points is at 2.625 percent.

 
Author: Brian McKay
August 2nd, 2016

Mortgage rates continue their relentless decent down as average 30 year mortgage rates hit a new low for 2016. Average mortgage rates moved sharply lower the past several weeks, following 10 year U.S. Treasury yields lower. Current 30 year rates are a mere 12 basis points above the all-time record low set in the fourth quarter of 2012.

Average 30 year mortgage rates are at 3.43 percent today, down from the prior week’s average rate of 3.49 percent. About a month ago, 30 year rates were averaging 3.75 percent and at the start of 2016 30 year rates were around 4.00 percent.

There are many lenders quoting 30 year rates below the average of 3.43 percent. The lowest 30 year refinance rate in our database of rates is from Sebonic Financial at 3.125 percent with 1.10 mortgage points.

The lowest 30 year refinance rate without points is just below the average at 3.375 percent from First Tech Credit Union. Sebonic Financial’s quoted rate and First Tech Credit Union’s quoted rate are for homes in California.

15 year mortgage rates today are currently averaging 2.69 percent, up slightly from last week’s average 15 year mortgage rate of 2.66 percent. Average 15 year mortgage rates haven’t fallen as much as 30 year rates the past several weeks. A month ago, average 15 year rates were around 3.00 percent, only about 35 basis points above the current average rate.

Searching our rate database for the state of Georgia, Regent Bank is quoting 15 year conforming mortgage rates at 2.50 percent with zero mortgage points. You can compare mortgage rates for your state by searching our rate database at MonitorBankRates.com/Mortgage-Rates.

 
Author: Brian McKay
July 19th, 2016

Average 30 year mortgage rates hit a new low in 2016 as a result of the Brexit vote to leave the European Union. 30 year mortgage rates today are averaging 3.48 percent, a sharp decline from last week’s average rate of 3.73 percent. 30 year mortgage rates are only 17 basis points above the all-time low of 3.31 percent set in late 2012.

Mortgage lenders lowered mortgage rates to new lows in 2016 because 10 year bond yields hit new lows. When U.K. voters voted to leave the European Union, bond yields tumbled across the globe. In the U.S., 10 year bond yields fell from 1.73 percent down to 1.46 percent overnight.

Near record low mortgage rates will spur home sales and help the summer housing market. Likewise, new low refinance rates will also spur refinancing demand. The Mortgage Bankers Association reported a drop in mortgage applications for the week ending June 24, 2106. Though total mortgage applications dropped 2.6 percent, this survey was before the Brexit vote and the subsequent plunge in rates. Next week’s report will show a jump in loan volume for both home purchases and refinances because of the sharp decline in rates.  

Average 3o year rates are at 3.48 percent today but there are lenders already offering 30 year rates below the all-time low of 3.31 percent. The lowest 30 year refinance rate in our rate database is at 3.00 percent with 1.10 points. The lowest rate available without points is at 3.37 percent, still below the current average.

Average 15 year mortgage rates are also lower this week but by a smaller amount. The current average 15 year mortgage rate is at 2.78 percent, down from the prior week’s average of 2.83 percent. The lowest 15 year rate in our database is at 2.375 percent with 1 mortgage point and at 2.625 percent with no mortgage points. You can check on current mortgage rates in your state by searching our rate database at MortgageRates.MonitorBankRates.com.

 
Author: Brian McKay
July 1st, 2016