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NJ Homeowners: Unlock Equity & Lower Payments Today
Looking to refinance in New Jersey? Compare the latest NJ mortgage rates, lower your monthly payments, and access cash from your home with our simple refinance options.
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Best Mortgage Loan Programs in New Jersey | Lower Your Rate
Explore the best New Jersey home loan programs for purchase or refinance. Flexible options for first-time buyers and experienced homeowners alike.
01
30 Year Fixed Rate
Reliable refinancing with steady monthly payments and long-term stability. The 30-year fixed rate is the most popular mortgage option for homeowners.
02
15 Year Fixed Rate
Pay off your home faster with lower interest costs. A 15-year fixed rate provides stability, savings, and quicker equity growth.
03
FHA Loans
Low down payments and flexible terms make FHA loans ideal for first-time buyers and refinancers. Affordable and accessible.
04
Adjustable-Rate (ARM)
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
05
Jumbo Loans
Start with lower monthly payments and flexible terms. ARMs offer 5-, 7-, or 10-year options for an affordable refinance or purchase.
06
VA Loans
Exclusive benefits for veterans and military families. VA loans offer low rates, no PMI, and trusted refinancing or purchase solutions.
New Jersey Real Estate Market
New Jersey’s housing market remains strong in 2025, driven by steady demand and limited inventory. The median home price has climbed to around $583,000, marking a year-over-year increase of over 6%. Homes continue to sell quickly, often within 2 to 4 weeks, especially in high-demand areas near New York City and the Jersey Shore. While new listings are gradually increasing, supply still lags behind buyer interest, keeping upward pressure on prices. Overall, the market is competitive, with buyers facing tight conditions and minimal room for negotiation.
About American Federal Mortgage
American Federal Mortgage, founded in 1987 in Clifton, NJ, has grown into one of the nation’s largest privately held mortgage bankers by combining award-winning service with some of the most competitive rates available. For over thirty years, our honest, efficient, and low-cost approach has earned a reputation for excellence and helped countless New Jersey homeowners achieve the American Dream. Today, while technology enables borrowers to complete the mortgage process entirely online, our experienced loan officers continue to provide personalized guidance every step of the way.
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