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    THE ATLANTIC mortgage rates

    THE ATLANTIC's lowest publicly advertised 30-year fixed rate today is 7.108% APR — the national average is 7.147%. That's about $3,791 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 THE ATLANTIC's rates every weekday, starting around 11 a.m. Central.

    We last read THE ATLANTIC's rates page on Nov 2, 2026.

    Today's rates from THE ATLANTIC

    ProductRateAPRPointsWe readSource
    30 Year Fixed6.75%7.108%2.26Nov 2, 2026Visit
    20 Year Fixed7.125%7.296%0Nov 2, 2026Visit
    15 Year Fixed7%7.212%0Nov 2, 2026Visit
    10 Year Fixed7%7.297%0Nov 2, 2026Visit
    5 Year ARM6.725%7.471%1.55Nov 2, 2026Visit
    7 Year ARM6.5%7.285%1.83Nov 2, 2026Visit
    10 Year ARM6.975%7.539%2.55Nov 2, 2026Visit
    FHA 30 Year Fixed6.75%7.452%0Nov 2, 2026Visit
    FHA 15 Year Fixed6.5%7.33%0.85Nov 2, 2026Visit
    VA 30 Year Fixed7%7.266%0Nov 2, 2026Visit
    VA 15 Year Fixed6.5%7.146%1.33Nov 2, 2026Visit
    30 Year Fixed Jumbo7.375%7.445%0.25Nov 2, 2026Visit
    15 Year Fixed Jumbo6.5%6.569%0Nov 2, 2026Visit
    Visit THE ATLANTIC's rates page

    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 THE ATLANTIC

    Membership is open to anyone who lives, works, worships, attends school, or regularly does business in Union or Essex counties, NJ, as well as businesses and legal entities located in those counties. Immediate family and household members of existing members are also eligible.

    County
    Union County, NJ, Essex County, NJ

    Where THE ATLANTIC writes mortgages

    THE ATLANTIC publishes mortgage lending in 1 state.

    New Jersey

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

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