About Christine Zuidema
I was happy to call the Mortgage Industry my home after graduating from Iona College in 1992. I quickly realized that I had found my second home. Over the past 26 years I have been a part of the Mortgage Industry, 18 of those years selling with a brief time away to grow my family. My career started in 1992 and little did I know at the time that I was learning from the best, I am still lucky enough to work with some of the same people today. Integrity and respect are a deep part of my moral compass. With the connection and best interests of my clients we work together to successfully complete the Mortgage process and strive for perfection! Over the years I feel lucky to say that I've helped hundreds of people purchase their homes or re-finance their existing home. I am ecstatic to say that I am back in the biz and can once again help clients achieve their Mortgage goals.
The right advice could help you find the right mortgage for you. Let's work together.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.750% | 7.058% | 0.991 ($3468.50) | $2270.09 |
| 15-year fixed | 5.750% | 6.151% | 0.753 ($2635.50) | $2906.44 |
| FHA loan | 6.125% | 7.168% | 0.833 ($2542.74) | $1991.48 |
| VA loans | 6.125% | 6.682% | 0.943 ($3853.10) | $2482.70 |
| Jumbo loans | 6.375% | 6.573% | 0.695 ($6255.00) | $5614.83 |
* Rates current as of 4/9/2025 06:09 am, provided by Christine Zuidema, for Essex County, NJ, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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