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New Jersey Purchase and Refinance Mortgage Rates - Jumbo and Conforming

New Jersey: Where Diversity Meets Opportunity

The dynamic urban skyline of Jersey City.

New Jersey, affectionately known as the Garden State, offers a rich blend of lifestyles, from the urban energy of cities like Newark and Jersey City to the tranquil shores of the Jersey Shore and the lush landscapes of the Pine Barrens. This state provides a unique backdrop for a variety of living experiences, catering to all who seek the dynamism of city life, the calm of coastal living, or the charm of rural environments. Local Jumbo is dedicated to guiding you through New Jersey’s real estate market with mortgage solutions that align with the state’s distinctive lifestyle.

Considering making New Jersey your home? Whether you’re drawn to contemporary urban apartments, beachfront properties, or cozy homes in quiet suburbs, our network of Jumbo Verified™ lenders is ready to offer competitive rates and tailored mortgage plans. Start exploring your home financing options in New Jersey today.

    Custom Mortgage Solutions for New Jersey’s Varied Real Estate Landscape

    New Jersey’s housing market mirrors the state’s diverse appeal, presenting a spectrum of properties from high-rise apartments to single-family homes and secluded estates. Our lenders excel in developing mortgage strategies that match the wide array of homes across New Jersey, assisting you to find a residence that suits your lifestyle and financial aspirations.

    • A diverse array of mortgage types for properties in New Jersey: ARMs, FHA, VA, Interest-Only, Jumbo, and conforming loans.
    • Financing solutions for all types of properties, supporting a range of housing needs and preferences throughout New Jersey.
    • Personalized mortgage plans that embrace New Jersey’s unique character, catering to urban, coastal, and rural preferences.
    • Expertise in New Jersey’s housing market, offering specialized financing options like Land, Construction, and Bridge loans.
    • Competitive rates to assist your home purchase or refinancing in New Jersey, helping with a straightforward path to homeownership.

    Discover Your Ideal Home in New Jersey

    New Jersey’s lifestyle, enriched by its cultural diversity, community spirit, and natural beauty, offers a compelling choice for many. We’re committed to securing a mortgage solution that meets your financial needs while supporting your aspirations in this vibrant state. Whether enjoying local cuisine, participating in cultural events, or finding peace in scenic landscapes, your home will be a central part of your New Jersey life.


    County One-Unit Limit Two-Unit Limit Three-Unit Limit Four-Unit Limit
    ATLANTIC COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    BERGEN COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    BURLINGTON COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    CAMDEN COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    CAPE MAY COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    CUMBERLAND COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    ESSEX COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    GLOUCESTER COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    HUDSON COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    HUNTERDON COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    MERCER COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    MIDDLESEX COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    MONMOUTH COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    MORRIS COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    OCEAN COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    PASSAIC COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    SALEM COUNTY $766,550 $981,500 $1,186,350 $1,474,400
    SOMERSET COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    SUSSEX COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    UNION COUNTY $1,149,825 $1,472,250 $1,779,525 $2,211,600
    WARREN COUNTY $766,550 $981,500 $1,186,350 $1,474,400




      Alpine, Colts Neck, Short Hills, Sea Girt, Saddle River, Mendham, Little Silver, Martinsville Far Hills, Mountain Lakes, Essex Fells, Ho Ho Kus, Woodcliff Lake, Franklin Lakes, Warren & Chester.

      Zip Codes

      07620, 007078, 08750, 07458, 07931, 07722, 07739, 07945, 08836, 07046, 07021, 07423, 07677, 07417 & 07930


      Hunterdon County, Morris County, Somerset County, Bergen County, Monmouth County, Mercer County, Sussex County, Burlington County, Cape May County, Middlesex County, Warren County, Essex County, Gloucester County, Hudson County & Ocean County.