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Live Rate Updates

Today's Mortgage Rates

Get the latest mortgage rates for Bergen County, NJ. Updated daily with real-time trends and instant rate lock options.

Last updated: September 15, 2025 at 3:30 PM

Current Rates

Bergen County, NJ • Updated daily at 9:00 AM ET

30-Year Fixed

Most popular fixed-rate mortgage

+5 bps
Interest Rate6.875%
APR6.992%
Min Credit: 620Max LTV: 97%

15-Year Fixed

Lower rate, higher payments

-3 bps
Interest Rate6.125%
APR6.238%
Min Credit: 620Max LTV: 95%

5/1 ARM

Fixed for 5 years, adjusts annually

Interest Rate5.750%
APR6.425%
Min Credit: 640Max LTV: 95%

7/1 ARM

Fixed for 7 years, adjusts annually

+2 bps
Interest Rate5.875%
APR6.312%
Min Credit: 640Max LTV: 95%

FHA Loan

Low down payment government loan

+7 bps
Interest Rate6.750%
APR7.125%
Min Credit: 580Max LTV: 96.5%

VA Loan

Veterans and active military

-2 bps
Interest Rate6.500%
APR6.688%
Min Credit: 580Max LTV: 100%

Jumbo Loan

High-balance conforming limits

+8 bps
Interest Rate7.125%
APR7.238%
Min Credit: 700Max LTV: 90%
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Bergen County, NJ Rates

Local market insights and comparisons

Purchase vs Refinance

Purchase - 30-Year Fixed
For home buyers
6.875%
6.992% APR
Refinance - 30-Year Fixed
For existing homeowners
7.000%
7.115% APR

Market Insights

High Demand Areas
Ridgewood, Fair Lawn, and Paramus seeing increased competition
Rate Trend
Rates have increased 0.25% over the past month

Frequently Asked Questions

Common questions about mortgage rates

Important Disclosure: The payment amounts shown are estimates for informational purposes only and are not an offer to lend. Actual payments will vary based on your specific situation and current rates. This calculator does not constitute a loan application, loan offer, or loan commitment. Final loan approval is subject to credit approval, verification of information provided, property appraisal, and other underwriting requirements. CMG Home Loans NMLS #1577754. Equal Housing Lender. Not all applicants will qualify.

NMLS #1577754
Equal Housing Lender