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: 04/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.953% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.845 Points$2,704 Points Fee
$2,704 Total Fees$0 Lender Fees
 30 Years Fixed
6.111% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.754 Points$2,413 Points Fee
$3,808 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.128% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.619 Points$1,981 Points Fee
$8,781 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.139% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.598% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.655 Points$2,096 Points Fee
$3,591 Total Fees$1,495 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Discover multiple refinance options
Low rates, quick quote & approval
Refinance to lower your rate
Your home's value could help you save.
6.070% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.856 Points$2,739 Points Fee
$2,739 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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