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: 07/24/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.338% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.505 Points$1,616 Points Fee
$3,611 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.850 Points$2,720 Points Fee
$3,261 Total Fees$541 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.514% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.000 Points$0 Points Fee
$795 Total Fees$795 Lender Fees
 30 Years Fixed
6.526% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.810 Points$2,592 Points Fee
$5,087 Total Fees$2,495 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.610% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.716 Points$2,291 Points Fee
$3,686 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.617% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.911 Points$2,915 Points Fee
$4,151 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.634% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.608 Points$1,946 Points Fee
$8,746 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.655% APR 6.500% Rate 45 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$5,195 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.837% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.892 Points$2,854 Points Fee
$2,854 Total Fees$0 Lender Fees
 30 Years Fixed
Refinance to lower your rate
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6.565% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.677 Points$2,166 Points Fee
$2,166 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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