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: 07/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.223% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.275% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.983 Points$3,146 Points Fee
$5,141 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.371% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.900 Points$2,880 Points Fee
$4,105 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.497% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.842 Points$2,694 Points Fee
$4,089 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.813% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.645 Points$2,064 Points Fee
$2,064 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
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Refinance to lower your rate
A smarter way to get cash from your home
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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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