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Check rates from New Jersey mortgage lenders that are extending personal loan quotes.

New Jersey Mortgage Lenders for Low Rate Home Loans & Refinancing

Since the property values have started to rise, the mortgage market in New Jersey has started to rebound. There are more attractive options for first time home buyers in New Jersey as well as homeowners that have been strapped with upside down mortgages because of the housing crisis. New Jersey home mortgage rates became more affordable than ever so East Coast applicants should feel confident they are getting the best rate possible for buying or refinancing a home. If you are tired of dealing with loan brokers that do not understand your local housing market, then you will enjoy the lending process at Nationwide. New Jersey mortgage loans of all types are available to qualified borrowers. If you are buying a home, talk with a New Jersey lender who can help you get a pre-approval letter quickly and that may help your offer get accepted.

  • Get Cash for 2nd Home Purchasing
  • Low Down-Payments for 1st Time Home Buyers
  • Finance Home Repairs and Green Energy Efficiency
  • Refinance into a Fixed Rate Mortgage
  • Get Approved for an Underwater Mortgage with HARP
  • Lowest New Jersey Mortgage Rates in 30-Years
Preferred Loan Type:
Property Value:

Credit Rating:
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The "Garden State" has seen a high percentage of underwater refinance loans since HARP 2.0 was passed for homeowners that have negative equity. Work with our HARP lenders in New Jersey for low rates and removed loan to value stipulations that have opened the flood-gates to people that lost the equity in their home in the recent housing crisis.

Find out if you qualify for one of our no closing cost mortgages for New Jersey residents. Today's interest rates in the North-East start at 3% on fixed loans for 20 and 30-year terms. If a 15-year mortgage is what you are seeking then you will get really excited with rates as low as 2.5%. Check with our loan officers for current rates and pricing.

New Jersey Rates dipped to their lowest level in 40 years. Whether you are inquiring about a mortgage for purchasing or home refinancing, Nationwide Mortgages provides the customer service that you deserve.

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FHA Mortgage Loans in New Jersey


Mortgage Terms to Know for the Loan Process

Conventional Mortgages

Equity Loans

Unique Loan Programs

Did you know that a conventional loan not insured by FHA or guaranteed by the VA? Fannie Mae is a government sponsored enterprise that was created in an effort to level the playing field for the secondary market. Fannie Mae continues to set the conforming loan amounts and for 48 states any loan amount under $417,000 for 1-4 unit properties. For more information and guidelines by state, please visit

Homeowners are blessed with home equity loan opportunities that enable borrowers to get cash for home improvements and bill consolidation. These 2nd loans are available at low interest rates and are tax deductible up to $100,000 in most cases. Thousands of borrowers have taken out New Jersey 2nd mortgage loans in a credit line or installment loan.

Stated Income Mortgage

100% Financing for owner occupied borrowers that meet VA guidelines

90% New Jersey home loans for vacation properties

96.5% mortgages under the FHA program for home buying and refinancing

Index Lending Fees & Costs Home Refinancing

A number, usually a percentage, upon which future interest rates for adjustable rate mortgages are based. Common indexes include the Cost of Funds for the Eleventh Federal District of banks or the average rate of a one year Government Treasury Security.

Any fees paid by the borrowers or sellers during the closing of the mortgage loan. This normally includes an origination fee, discount points, attorney's fees, title insurance, survey, and any items which must be prepaid, such as taxes and insurance escrow payments.

Americans have certainly embraced home refinancing for lower rates and cash back. Our New Jersey mortgage lenders have extended refinance programs to qualified applicants to replace their existing loans with a lower interest rate or better terms .

30-Year Amortization

  • Fixed Interest Rate for 360 Months
  • No Maximum LTV under HARP 2.0
  • New Jersey Home Loan Amounts to $2,500,000
  • 96.5% LTV Full Documentation with Minimum 500 Credit Score
  • 90% LTV No Income Mortgage with Minimum 640 Credit Score
  • Maximum Debt to Income - 55% up on some Freddie Mac Programs
  • Documentation Types - Full, Limited and Stated Income
Apply Online and Work with Our New Jersey Mortgage Lenders

This is not an advertisement for credit. See Privacy for Details.
Nothing on this web site contains an offer promise either to make home financing or that any participating lender will guarantee any home loan for any purpose or on any specific terms.
Loans cannot be made online or be approved without an underwriter analyzing your credit score, debt to income ratio and combined loan to value.

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Nationwide Mortgages 701 Palomar Airport Road, Carlsbad, CA 92009