Sayreville, NJ Mortgage Rates and Refinance Rates

Mortgages in Sayreville, NJ: Find the best Sayreville, NJ mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Sayreville, 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 Sayreville, NJ. Another option is searching for Sayreville, 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 Sayreville, NJ mortgage rates or refinance rates.

Search and Compare Sayreville, NJ Mortgage Rates & Refinance Rates

Sayreville, New Jersey Conforming Mortgage Rates and Refinance Rates

Conforming home mortgage rates in Sayreville, NJ are the most popular type of mortgages rates you can find advertised for home buyers in Sayreville, 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. Sayreville, 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 Sayreville, NJ banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Sayreville, NJ conforming mortgage rates and refi rates lower than Sayreville, NJ jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Sayreville, NJ home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Sayreville, New Jersey

Jumbo mortgage rates in Sayreville, 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 Sayreville, NJ and adjustable mortgage rates in Sayreville, NJ. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Sayreville, NJ make.

Sayreville, New Jersey Fixed Mortgage Rates and Fixed Refinance Rates

Sayreville, 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.

Sayreville, New Jersey Adjustable Mortgage Rates

Adjustable Sayreville, 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 Sayreville, 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 Sayreville, NJ. Most adjustable mortgages in Sayreville, NJ have yearly caps and life time maximum caps on how high the interest rate can fluctuate.

Google Map for Sayreville, NJ Rates & Resources

Sayreville FDIC Insured Banks

Bank Name

FDIC Cert Number


Amboy Bank

6423 412 Washington Road, Sayreville, NJ 08872

Capital One, National Association

4297 2909 Washington Road, Sayreville, NJ 08872

New York Community Bank

16022 77 Main St, Sayreville, NJ 08872