Residential Loan Rates

Residential First Mortgage

Owner Occupied | Fixed Rate

Conforming Loans*

Type	Term	Interest Rate	APR**	Payment per $1,000
10 Year Fixed	10	6.125%	6.504%	$11.16
15 Year Fixed	15	6.250%	6.520%	$8.57
20 Year Fixed	20	6.375%	6.592%	$7.38
25 Year Fixed	25	6.500%	6.687%	$6.75
30 Year Fixed	30	6.625%	6.793%	$6.40

*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 03/19/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

Super Conforming Loans**

Type	Term	Interest Rate	APR**	Payment per $1,000
10 Year Fixed	10	6.375%	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

**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.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

Jumbo 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

***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.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.

Adjustable Rate Mortgages

Conforming and 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%	6.987%	$6.49
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	7.125%	7.300%	$6.74
6/1/30 ARM	30	7.000%	7.174%	$6.65
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	6.875%	7.267%	$11.55
15 Year Fixed	15	7.000%	7.281%	$8.99
20 Year Fixed	20	7.250%	7.480%	$7.90
25 Year Fixed	25	7.375%	7.575%	$7.31
30 Year Fixed	30	7.500%	7.681%	$6.99

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 03/24/2025 12:00 PM Eastern Standard Time and subject to change without notice. Other factors or criteria may affect rate.

**APR= Annual Percentage Rate. APR based on a $100,000 loan.