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| Rate | APR | Points | Monthly Payment per $1,000 borrowed | |
|---|---|---|---|---|
| 30 Year Fixed Rate(1) | 5.875% | 5.931% | 0 | 360 payments of $5.92 |
| 20 Year Fixed Rate(1) | 5.750% | 5.825% | 0 | 240 payments of $7.02 |
| 15 Year Fixed Rate(1) | 5.250% | 5.343% | 0 | 180 payments of $8.04 |
| 30 Year Fixed Rate Affordable Mortgage(2) | 5.250% | 5.304% | 0 | 360 payments of $5.60 |
Our user-friendly mortgage calculators will help you make smart decisions during the mortgage process.
(1) APR denotes "Annual Percentage Rate". Quoted rates and APR's based on a $400,000 loan amount, purchase/owner-occupied single family primary residence located in New Jersey, 25% down payment or 75% loan-to-value (LTV), and minimum credit score 780. Payments do not include real estate taxes, insurance, or Private Mortgage Insurance (PMI) for down payments that are less than 20% of the purchase price, therefore actual payment obligations will be greater. Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Properties must be located in the Northfield Bank NJ and NY Lending Territory (New Jersey Counties: all counties; New York Counties: Bronx, Kings, Manhattan, Nassau, Orange, Queens, Richmond, Rockland, Suffolk and Westchester.). Other terms and conditions may apply.
(2) APR denotes "Annual Percentage Rate". Payments do not include real estate taxes or insurance, therefore actual payment obligations will be greater. Quoted rates include a 60 day rate lock. Maximum loan amount for a conforming loan is $806,500. Affordable Mortgage Program available for Residential First Mortgage loans for owner-occupied primary 1 to 2-family residences for those in Hunterdon, Mercer, Middlesex, and Union counties in New Jersey and Richmond and Kings counties in New York and either: (a.) are purchasing or refinancing a home in a low or moderate-income (LMI) census tract OR (b.) whose income is less than 80% of the county median income. Refer to the Income Chart or speak with a mortgage team member to learn more.
All loans are subject to credit approval.
Discount points are a one-time fee paid at closing to a lender in exchange for a lower interest rate.
A Fixed Rate Mortgage is a mortgage that may have a fixed principal and interest payment up to a maximum of 30 years or 360 payments.
Rates and terms are current as 10/20/25 and are subject to change at anytime without prior notice.
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As a result, Northfield Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Northfield Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.
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Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.
