Today's 30-Year Fixed Rate
6.88%%
APR
6.99%%
30-Year Mortgage Rates
Lock in today's competitive 30-year fixed mortgage rates in Bergen County, NJ. Get predictable payments for the life of your loan with America's most popular mortgage.
Fixed Rate
Never changes
30 Years
Lower payments
No PMI
With 20% down
Low Down
3% minimum
Understanding 30-Year Fixed Mortgage Rates
The 30-year fixed-rate mortgage has been America's most popular home loan for decades, and for good reason. It offers the perfect balance of affordability and stability, making homeownership accessible to millions of families across Bergen County and beyond.
With a 30-year fixed mortgage, your interest rate remains constant for the entire 360-month term, providing predictable monthly payments that never change. This stability makes it easier to budget and plan for the future, protecting you from rising interest rates that could increase your housing costs.
Current Market Conditions
As of 9/18/2025, 30-year mortgage rates in Bergen County are averaging 6.88%%, reflecting recent Federal Reserve policy decisions and economic conditions. While rates have risen from historic lows seen during 2020-2021, they remain competitive by historical standards.
Historical 30-Year Rate Trends
Benefits of a 30-Year Fixed Mortgage
Lower Monthly Payments
Spreading payments over 30 years results in the lowest possible monthly payment, improving affordability and qualifying power.
Payment Stability
Your principal and interest payment never changes, making it easy to budget and providing protection from inflation.
Flexibility
Lower required payments give you flexibility to invest, save, or make extra principal payments when you choose.
Tax Benefits
Mortgage interest is tax-deductible for many homeowners, potentially reducing your effective interest rate.
Frequently Asked Questions About 30-Year Mortgages
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