Home Refinance Loan Ratesin New Jersey

Looking to refinance your existing mortgage loan? Use ERATE®'s rate chart to compare today's top rates in New Jersey and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your refinance loan to ensure you get the best rate and pricing.

(Last Updated: 04/05/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,000 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.983% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.545 Points$1,744 Points Fee
$3,739 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.124% APR 6.124% Rate 30 day rate lock $1,945 Payment per month
0.000 Points$0 Points Fee
$0 Total Fees$0 Lender Fees
 30 Years Fixed
6.147% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.837 Points$2,678 Points Fee
$9,478 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.265% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.338% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.616 Points$1,971 Points Fee
$2,966 Total Fees$995 Lender Fees
 30 Years Fixed
6.443% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.714 Points$2,285 Points Fee
$2,285 Total Fees$0 Lender Fees
 30 Years Fixed
6.637% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.962 Points$3,078 Points Fee
$4,573 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.194% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.739 Points$2,365 Points Fee
$2,365 Total Fees$0 Lender Fees
 30 Years Fixed
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Rate data provided by RateUpdate.com. Displayed by 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.
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