20 Year Fixed Mortgage Rates

Compare NEW JERSEY 20 Year Fixed Conforming Mortgage rates with a loan amount of $200,000. To change the mortgage product or the loan amount, use the search box on the right. Click the lender name to view more information. Mortgage rates are updated daily.

Featured Mortgage Rates: 20 Year Fixed Conforming Mortgage

Lender APR Rate (%) Points Fees Monthly Payment More
Federated Mortgage
NMLS ID: 101475
3.422% 3.375%
(866) 551-2686
0.00 $835 $1,147
Sebonic Financial
NMLS ID: 66247
3.280% 3.125%
1.38 $2,798 $1,121
Columbia Bank
NMLS ID: 504284
3.319% 3.125%
1.00 $3,500 $1,121
Valley National Bank
NMLS ID: 411254
3.653% 3.625%
0.25 $500 $1,172
AimLoan.com NMLS#2890
NMLS ID: 2890
3.354% 3.125%
1.13 $4,157 $1,121

Data provided by Informa Research Services, Inc.1

Rates for this table are based on the data shown in the form on the right hand column. The advertised rates were submitted by each individual lender/broker on the date indicated. Rate/APR terms offered by advertisers may differ from those listed above based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. These quotes are from banks, thrifts and brokers who have paid for a link to their website in the listings above and you can find additional information about their loan programs on their websites.

New Jersey 20 Year Fixed Conforming Mortgage: Table 2

Lender APR Rate (%) Points Fees Monthly Paymenti More
Columbia Bank
Updated 01/19/2015
3.40% 3.38 0.00 $3,046.00 $1,147.62
Bank of America, National Association
Updated 01/22/2015
3.64% 3.50 0.21 $0.00 $1,159.92
The Provident Bank
Updated 01/19/2015
3.58% 3.50 0.00 $0.00 $1,159.92
Fulton Bank of New Jersey
Updated 01/12/2015
3.69% 3.63 0.00 $692.00 $1,173.32
Spencer Savings Bank, SLA
Updated 01/14/2015
3.79% 3.75 0.00 $0.00 $1,185.78
Updated 01/13/2015
3.79% 3.75 0.00 $0.00 $1,185.78
Hudson City Savings Bank
Updated 01/16/2015
4.28% 4.25 0.00 $0.00 $1,238.47
Haven Savings Bank
Updated 01/19/2015
4.32% 4.25 0.00 $0.00 $1,238.47

Data provided by BestCashCow.com

Rates in Table 2 are based on loan amount of $200,000 and a variety of factors including credit score and loan to value ratios. For specific requirements please check with the lender. Rates may change at any time.


Crime, January 28, 2015

The short sale, by itself, will not afceft your credit. But you will have to pay off the old mortgage when you sell. If you can't do that, then you're in big trouble.You can always buy another house if you pay cash. The problem is getting anybody to lend you any money.As for "The bank will not just let you walk away" how are they going to stop you? It's not a crime to own money. But when you are behind in payments, they might get a court judgment and take any money, cars, furniture, etc. that you have. Any if you get any money later, they can come back and take that except for about $200 a week to live on (depends on the state).References : Was this answer helpful?

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Ahmad, January 28, 2015

Mortgage companies tlaycpily use the mid FICO score.Your husband's scores are very low. You would have to have a big downpayment and no other debt to maybe qualify for a very high interest rate.Get a copy of his credit report and start working on fixing the negatives. First, pay off current credit card balances. Carrying balances of more than 30% of your available limit kills your score. Paying them down will give a quick boost to his score.Second, start contacting the negatives, newest one first and work back to the oldest. Ask for delete for payment some will, some won't. The older the debt, the more likely they will settle for less than full balance. If the debt is older than 3 years, offer 25%; 2 or 3, offer 50%; less than 2, offer 75%. Lump sum payment gets the best deal. Payment plans have to be short term.Get any settlement agreement in writing and keep it along with your payment proof, forever. Don't give the collection agency direct access to your bank account.Paying off old debt won't increase your credit score (unless you get the item deleted); however, paid debt looks better than unpaid. Mortgage companies will require you to settle old debt before approving any mortgage.You should also put a set a mount in a savings account every payday toward the downpayment and closing costs.

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Chelsea, January 28, 2015

Full of salient points. Don't stop bevinlieg or writing!

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Kenneth, January 28, 2015

Yo, good loikon out! Gonna make it work now.

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Bdm, January 28, 2015

Your best bet would probably be to cotcnat a local life insurance agent and discuss it with him/her. I believe that the life insurance is a better route due to the fact that it can be used to cover your mortgage and any other outstanding debt needed to pay off. If you just have the mortgage insurance, then yes the larger of your bills is going to be paid, but what about funeral costs and credit card bills. There is much to consider other than your mortgage. Hope this helps.

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Wizhi, January 28, 2015

RIGHT AWAY! you cannot have a hoenowmers policy if you the homeowner do not live in it. your policy needs to be rewritten as a landlord policy. this covers the dwelling (make sure you also keep liability on it). your tenants should then pick up a renters policy to cover their belongings. if you can find a company in your area that will write your property on a commercial package policy, it will keep your premium a lot lower. i have a company that does this and it actually gives them MORE coverages than a regular landlord policy for less premium.

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Ariel, January 28, 2015

You don't have to in most cases, but if you do it would protect you if annyoe ever challenges your title. For example if you buy property that was sold at auction then put up for sale, the previous owner, may file a claim to the property via the title. In such a case, the Mortgage insurance would cover your title, if you lose.

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Prude, January 27, 2015

pricey doctor Truly inetresting facts! Perfect will discover had ended up searching related to! It could do the options that demonstrate may discover truly might be, much greater when in contrast to our capabilities. inch via T. Digital. Rowling .

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Racher, January 27, 2015

Mortgage insurance is reqeirud by your lender if you have a loan for more than 80% of the home's value. It basically only protects the lender, not you and not your house. Home insurance is for your property and valuables.You might want to talk to your mortgage broker about what you can do to take your mortgage insurance off. If you have owned your home for a while and have more than 20% equity in it you may be able to take off your mortgage insurance.

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James, January 27, 2015

Depends on if the bank reports it as a setlted for less than amount owed to the bureaus. Keep in mind, the bank will send you a 1099 for the loss, and you get to pay income taxes on that. How fun for you. Kick em while their down.

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