Current Best Mortgage Rates in Jersey City, NJ

If you, like many other Americans, have been impressed by sinking mortgage rates and are considering purchasing your first home, today might really be the perfect time. Keep in mind, just because average Jersey City mortgage rates are at an all-time low doesn’t mean every lending institution will be offering an equally low rate. In order to lower the overall expense of your home purchase as much as possible, you’ll need to research the rates available locally and find the very best.

Whether you’re interested in a traditional fixed rate mortgage or are planning on obtaining an ARM, there’s a lender in Jersey City, NJ with a great rate for you. Below is a list of the best mortgage rates in Jersey City across a host of loan types.

Jersey City Banks and Credit Unions with Lowest Mortgage Rates

Top Jersey City 15-Year Fixed Mortgage Rates

• JPMorgan Chase Bank, National Association: 2.63%
• • No Orig. Fees
  • Points: 0.25


• JPMorgan Chase Bank, National Association: 2.75%
• • No Orig. Fees
  • Points: 0


• Wells Fargo Bank, National Association: 3.13%
• • Orig. Fees: 1%
  • Points: 0

Best 30-Year Fixed Mortgage Rates in Jersey City

• JPMorgan Chase Bank, National Association: 3.5%
• • No Orig. Fees
  • Points: 0


• JPMorgan Chase Bank, National Association: 3.88%
• • No Orig. Fees
  • Points: 0.38


• Rock Financial: 3.99%
• • No Orig. Fees
  • Points: 2

Lowest Jersey City 3/1 ARM Mortgage Rates

• Wells Fargo Bank, National Association: 2.13%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Proponent Federal Credit Union: 2.5%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period


• Capital One, National Association: 2.75%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Best Mortgage Rates for a 5/1 ARM in Jersey City

• Wells Fargo Bank, National Association: 2.25%
• • Orig. Fees: 1%
  • Points: 0.88
  • Caps: 2% per Adjustment Period


• Bank of America, National Association: 2.5%
• • No Orig. Fees
  • Points: 1.13
  • Caps: 2% per Adjustment Period


• Capital One, National Association: 2.63%
• • No Orig. Fees
  • Points: 0
  • Caps: 2% per Adjustment Period

Please note that these rates are accurate as of November 2011, but are subject to change at any time. Additionally, borrowers may be subject to additional requirements and credit approval in order to receive the lowest advertised rate. Please contact individual lenders to verify rates before applying for a loan.