Residential Loan Rates

^{*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 10/23/2025 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
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 10/23/2025 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
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 10/23/2025 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.}

^{*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
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.}

^{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 10/23/2025 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.}