About Jon Lamkin
Jon Lamkin & The Lamkin Team have been originating loans for the past 24 years. Once again, he was named one of the top 1% mortgage bankers in the country by Mortgage Origination Magazine for the 14th year in a row and has been highlighted in the Scotsman Guide as one of the Top 100 originators in the country for 8 years running. Over the last 6 years Jon's team has funded over $1.4 Billion in loans and 2024 he surpassed over $200 Million. Jon's attention to detail and ability to get his clients to the closing table on time is what separates him from the competition. That's why homeowners, real estate agents, attorneys, financial planners, and CPAs turn to him to come through in the clutch when the stakes are high. Jon's management style and networking skills have established an unparalleled network of relationships which have allowed his business to grow each year. He is constantly looking for new programs that his clients can utilize to help them achieve both their long term and short-term financial goals. He resides in Short Hills, New Jersey with his wife Michelle & 3 daughters.
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Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| 30-year fixed | 6.750% | 7.011% | 0.751 ($2628.50) | $2270.09 |
| 15-year fixed | 5.625% | 6.090% | 0.953 ($3335.50) | $2883.06 |
| FHA loan | 6.124% | 7.189% | 0.926 ($2826.62) | $1991.28 |
| VA loans | 6.075% | 6.628% | 0.927 ($3787.73) | $2469.50 |
| Jumbo loans | 6.375% | 6.580% | 0.722 ($6498.00) | $5614.83 |
* Rates current as of 4/8/2025 11:29 pm, provided by Jon Lamkin, 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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Located at 75 Main Street, Suite 205 Millburn NJ, 07041