30 Year Mortgage Rate at 3.625% from Garden State Home Loans

Garden State Home Loans, based in Cherry Hill, NJ, is offering the lowest 30 year conforming mortgage rate on our rate table today. GSHL is currently advertising 30 year rates at 3.625 percent with 1.125 points. If you don't want to pay points on a mortgage, GSHL is also quoting 30 year rates at 3.75 percent with no points.

Paying 1.125 points for a rate that is only 0.125 percent lower isn't worth it. On a $400,000 loan, a borrower will have to pay $4,500 more upfront to secure the slightly lower rate. Typically lenders will give the borrower a 0.25 percent lower rate for 1 mortgage point.

GSHL's National Mortgage Licensing System Identification Number is 473163. GSHL has been a BBB Accredited Business since 3/27/2012. The company has an A+ rating with the BBB and there were only 2 complaints over the past few years and they were both resolved to the complainant's satisfaction.

Loan Type

State

FICO Score

Loan Amount

Points

LTV

Loan Term 15-Year Fixed 20-Year Fixed 30-Year Fixed 5-Year ARM 7-Year ARM 10-Year ARM

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Lender

APR / Rate

Fees / Points

Payment

NMLS #401822

5.642%

15-Year Fixed

5.375%

$7,000

Includes 0.750 points for $3,000

Lender Fees: $4,000

$3,242 /mo

Next >

NMLS #1025894

5.667%

15-Year Fixed

5.490%

$4,612

Includes 0.978 points for $3,912

Lender Fees: $700

$3,267 /mo

Next >

NMLS #2059741

5.751%

15-Year Fixed

5.625%

$3,272

Includes 0.818 points for $3,272

Lender Fees: $0

$3,295 /mo

Next >

NMLS #6606

5.890%

15-Year Fixed

5.740%

$3,876

Includes 0.969 points for $3,876

Lender Fees: $0

$3,320 /mo

Next >

NMLS #2059741

6.583%

30-Year Fixed

6.490%

$3,896

Includes 0.974 points for $3,896

Lender Fees: $0

$2,526 /mo

Next >

NMLS #1025894

6.713%

30-Year Fixed

6.625%

$3,656

Includes 0.739 points for $2,956

Lender Fees: $700

$2,562 /mo

Next >

NMLS #401822

6.770%

30-Year Fixed

6.625%

$5,995

Includes 1.000 points for $4,000

Lender Fees: $1,995

$2,562 /mo

Next >

NMLS #6606

6.834%

30-Year Fixed

6.740%

$3,888

Includes 0.972 points for $3,888

Lender Fees: $0

$2,592 /mo

Next >

NMLS #3030

6.909%

15-Year Fixed

6.750%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$3,540 /mo

Next >

NMLS #3030

7.602%

30-Year Fixed

7.500%

$4,000

Includes 1.000 points for $4,000

Lender Fees: $0

$2,797 /mo

Next >

Rate data provided by RateUpdate.com. Displayed by ICB, a division of Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.

You can use our mortgage rate table to see if GSHL is offering loans in your state. You can also get a customized quote by going GSHL's website at gardenstateloans.com or by calling GSHL at (888) 612-4604.

Author: Brian McKay

December 3rd, 2015

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