Bergenfield, NJ Mortgage Rates and Refinance Rates

Mortgages in Bergenfield, NJ: Find the best Bergenfield, NJ mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Bergenfield, NJ, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Bergenfield, NJ. Another option is searching for Bergenfield, NJ refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Bergenfield, NJ mortgage rates or refinance rates.

Search and Compare Bergenfield, NJ Mortgage Rates & Refinance Rates



Bergenfield, New Jersey Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Bergenfield, NJ are the most popular type of mortgages rates you can find advertised for home buyers in Bergenfield, NJ. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Bergenfield, NJ mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Bergenfield, NJ banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Bergenfield, NJ conforming mortgage rates and refi rates lower than Bergenfield, NJ jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Bergenfield, NJ home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Bergenfield, New Jersey

Jumbo mortgage rates in Bergenfield, NJ are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Bergenfield, NJ and adjustable mortgage rates in Bergenfield, NJ. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Bergenfield, NJ make.

Bergenfield, New Jersey Fixed Mortgage Rates and Fixed Refinance Rates

Bergenfield, NJ fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Bergenfield, New Jersey Adjustable Mortgage Rates

Adjustable Bergenfield, NJ mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Bergenfield, NJ are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Bergenfield, NJ. Most adjustable mortgages in Bergenfield, NJ have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Google Map for Bergenfield, NJ Rates & Resources


Bergenfield FDIC Insured Banks

Bank Name

FDIC Cert Number

Address

Bank of America, National Association

3510 235 Woodbine Street, Bergenfield, NJ 07621

Bank of America, National Association

3510 35 Legion Drive, Bergenfield, NJ 07621

Bank of America, National Association

3510 35 South Washington Avenue, Bergenfield, NJ 07621

NVE Bank

29875 135 N. Washington Avenue, Bergenfield, NJ 07621

Oritani Bank

28866 223 South Washington Avenue, Bergenfield, NJ 07621

PNC Bank, National Association

6384 370 South Washington Street, Bergenfield, NJ 07621

TD Bank, National Association

18409 126 North Washington Avenue, Bergenfield, NJ 07621