Residential Loan Rates

Calculate Loan Rates

Residential First Mortgage

Conforming Loans*

Owner Occupied | Fixed Rate

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

Max loan amount of $726,200

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 11/29/2023 2:38 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*

Owner Occupied | Fixed Rate

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 

Max loan amount of $1,089,300

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 11/29/2023 2:38 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.

Adjustable Rate

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%

7.513%

$6.49

7/1/30 ARM

30

7.000%

7.582%

$6.65

Max loan amount of $1,089,300

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

7.625%

8.284%

$11.94

15 Year Fixed

15

7.750%

8.297%

$9.41

20 Year Fixed

20

8.000%

8.495%

$8.36

25 Year Fixed

25

8.125%

8.590%

$7.80

30 Year Fixed

30

8.250%

8.697%

$7.51

 

Investment Properties

Max LTV: 70% up to $1,089,300

Condo/Townhouse reduce the stated LTV’s by 5%.

Cash Out Refinance transactions add 0.125% to the above stated rates.

Loan amounts over $2MM call for rates, terms and conditions.

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

Jumbo Residential First Mortgage

Owner Occupied | Fixed Rate*

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

Loan amounts over $2MM call for rates, terms and conditions.

Down payment of 20% required.

Condo/Townhouse max 75% LTV.

Cash Out Refinance transactions add 0.25% 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, and a maximum 80% LTV. Rates, terms, and fees as of 12/1/2023 11:29 AM 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.

Adjustable Rate

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%

7.513%

$6.49

7/1/30 ARM

30

7.000%

7.582%

$6.65

Max Loan amount – call for details

Down payment of 20% required.

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.

Investment Property | Fixed Rate

Type

Term

Interest Rate

APR**

Payment per $1,000

10 Year Fixed

10

7.625%

8.284%

$11.94

15 Year Fixed

15

7.750%

8.297%

$9.41

20 Year Fixed

20

8.000%

8.495%

$8.36

25 Year Fixed

25

8.125%

8.590%

$7.80

30 Year Fixed

30

8.250%

8.697%

$7.51

 

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