Rates Last Updated December 02, 2024

FHA 30 Year Fixed Rate

6.129% APR

Conventional 15 Year Fixed

5.814% APR

Conventional 30 Year Fixed

6.392% APR

The Loan Tree Corp Team

New Jersey's Best Mortgage Lender

Accredited Business with A+ Rating at the Better Business Bureau

Homebuyers

See how much you qualify for in today's market.

Refinance

We can help you lower your rate or take cash out.

Today's Rates

See if the time is right for you to purchase
or refinance.

Ask A Question

We can answer your mortgage related questions.

The loan approval process has never been as easy.

Celebrating Our 31st Year

New Jersey's leading FHA 203k Rehab provider

New Jersey's leading Fannie Mae Homestyle provider

We offer closing cost assistance up to $5,000 to pay your closing costs

First time home buyer with only 3% down

FHA programs with credit scores as low as 580

No closing cost purchase and refinance programs

No PMI with loan to value up to 95% - purchase and refi

Non-warrantable condo loans up to 90% LTV

5 year interest rate protection guarantee

New Jersey VA 100% cash out programs

YOURgage - You set your own mortgage term

No lender junk fees

Bank statement programs for the self-employed

FHA, USDA, VA and conventional programs

Free interest rate float down option available

NMLS# 242165, Licensed Mortgage Lender, NJ Dept Of Banking And Insurance.
Rates assume a loan amount of >=$500,000
LTV <=60%, DTI <=33%, Fico 760+, with escrows

Loan Programs

We can help you make a purchase, lower your payment, take cash out, or consolidate debt.

FHA Loans

FHA 203K Renovation Loan

Reverse or HECM Loan

Home Refinance Loans

Fannie Mae Homestyle Renovation Loan

Home Purchase Loans

What our clients are saying

  • As a first time homebuyer I quickly became skeptical of both banks and nonbanks when shopping around for mortgage offers given their general reluctance to provide a formal loan estimate... read more

    Milan Avatar Milan
    January 13, 2024

    As a first-time home buyer, one of the best decisions I made was to use 'The Loan Tree' as my lender. The overall experience was fantastic! All of our inquiries... read more

    Ashish V Avatar Ashish V
    August 13, 2023

    As an extremely satisfied customer I'm happy to write about my home refinancing experience with THE LOAN TREE. They were knowledgeable in providing information and options, so efficient in handling... read more

    Patricia Clark Avatar Patricia Clark
    August 13, 2018

    Arthur was very helpful and knowledgeable throughout the whole process. As a first time buyer, I was happy with the way Arthur guided me through the whole process. I would... read more

    Nishant D'Sa Avatar Nishant D'Sa
    August 13, 2020
  • We have referred many of our clients to The Loan Tree for all their loan and mortgage needs. The feedback we receive is always extremely positive and our clients... read more

    Hoyle Law, LLC Avatar Hoyle Law, LLC
    August 13, 2018

    We recently used Arthur to obtain a mortgage and he was absolutely amazing. He and the processor made the entire experience so smooth. We closed within a month... read more

    M N Avatar M N
    August 13, 2020

    very professional and quick service - I loved working with Arthur and his team. I have a mortgage team for life!! Have recommended to all my family... read more

    K Hood Avatar K Hood
    August 13, 2019

    I just closed on my first home this week and I can't imagine having gone through the process of securing a mortgage with anyone else but Art. He was so... read more

    Ricky DePalma Avatar Ricky DePalma
    August 13, 2023