Today's Lowest NJ Mortgage Rates
Current New Jersey Rates
| Loan Program | Rate | APR | Fees | Action |
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The conventional rates shown are based on a loan amount of $525,000 and a down payment of at least 25%. The FHA rates shown are based on a loan amount of $675,500 and a down payment of at least 3.5%. The VA rates shown are based on a loan amount of $700,000 and no down payment. NJ Mortgage rates are subject to change at any time and are subject to mortgage approval with full documentation of income. All rates shown are for a 30 day rate lock with one discount point on the purchase or rate and term refinance of a single family primary residence with a 740 or higher FICO score.
New Jersey Best Rate Guarantee
Do you want the best deal on your mortgage, but are tired of trying to compare the fine print to determine the difference between the quotes prepared by various lenders? At Alpine Mortgage we are committed to providing you with the best mortgage rate which is why we offer our Best Rate Guarantee. We search out the best rate and fees based on your goals and find the best pricing available through our large variety of loan programs.
You can shop other local lenders for a better deal. If you can find one, provide us that lender's signed and dated lock-in agreement and Loan Estimate on the day the interest rate is locked in and we will beat that lender's interest rate and/or lender fees. At Alpine Mortgage, your satisfaction is our top priority. With our Best Rate Guarantee you can shop for your mortgage with confidence knowing that you are getting the best possible interest rate for your mortgage.
What Our Clients Say
"Alpine got me an amazing rate and made the process so easy!"
– John D, Paramus, NJ
"Their team walked me through everything with great service and communication."
– Sara L, Jersey City, NJ
Why Choose Alpine Mortgage?
- ✅ Best Rate Guarantee – We Beat Competitor Rates
- ✅ Fast, Simple Pre-Approval Process
- ✅ Licensed New Jersey Mortgage Specialists
- ✅ $995 Flat Lender Fee – No Hidden Costs
- ✅ Conventional, FHA, VA and DSCR Loans Available
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NJ Mortgage Rates FAQs
A licensed New Jersey loan specialist will reach out to you via phone or email to discuss your personalized rate options. There is no obligation and no high-pressure sales.
Very fast! You'll receive your personalized quote within 1 day. Our goal is to provide you with a clear, accurate quote as quickly as possible.
Yes. Your quote request is 100% confidential and secure. We will never sell your information. A licensed specialist will contact you to provide your custom quote and answer your questions with no obligation.
We have a wide range of loan programs, including options for credit scores starting in the 500s. The best way to know for sure is to request a free quote.
Yes! We specialize in helping first-time homebuyers navigate the process in New Jersey. We can guide you through every step, from pre-approval to closing.
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