Home state: New Jersey
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    H. E. TELEPHONE mortgage rates

    H. E. TELEPHONE's lowest publicly advertised 30-year fixed rate today is 5.25% APR — the national average is 7.147%. That's about $177,121 saved vs. national on a $400,000, 30-year loan; principal and interest only, no taxes or insurance, with each rate held for the full term. We read H. E. TELEPHONE's rates every weekday, starting around 11 a.m. Central.

    We last read H. E. TELEPHONE's rates page on Nov 2, 2026. H. E. TELEPHONE dates its published rate sheet Oct 1, 2022.

    Today's rates from H. E. TELEPHONE

    ProductRateAPRPointsWe readSource
    30 Year Fixed—Lender publishes APR only5.25%—Nov 2, 2026
    Lender's sheet dated Oct 1, 2022
    Visit
    20 Year Fixed5%—Lender publishes rate only—Nov 2, 2026
    Lender's sheet dated Oct 1, 2022
    Visit
    15 Year Fixed5%—Lender publishes rate only—Nov 2, 2026
    Lender's sheet dated Oct 1, 2022
    Visit
    5 Year ARM—Lender publishes APR only4.75%—Nov 2, 2026
    Lender's sheet dated Oct 1, 2022
    Visit

    Rate history

    Lowest daily APR, or rate when APR is not published, for each product over the past 90 days.

    Collecting data — the trend chart appears after a few days of tracking.

    Who can join H. E. TELEPHONE

    Membership is available to employees of Verizon, AT&T, Extel Communications, and Englewood Hospital nurses. It is also open to police officers, firefighters, members of American Legion Post 170, and their immediate families.

    Employer
    Verizon, Verizon Wireless, AT&T, Extel Communications, Englewood Hospital Nurses, New Jersey Bell
    Association / SEG
    American Legion Post 170, HPAE at Englewood Hospital

    Where H. E. TELEPHONE writes mortgages

    H. E. TELEPHONE publishes mortgage lending in 1 state.

    Eligibility indicates likely eligibility only. Confirm membership and lending availability directly. See our methodology.

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