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That year, the average annual rate on 15-year fixed mortgages was 6.03%. As the country plunged into another recession, mortgage rates continued to fall. The lowest average annual mortgage rate on 15-year fixed mortgages since 1991 was 2.66%. Current rates in New Jersey are 3.694% for a 30-year fixed, 3.093% for a 15-year fixed, and 3.499% for a 5/1 adjustable-rate mortgage (ARM).

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