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: 11/24/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.756% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.814 Points$2,605 Points Fee
$4,600 Total Fees$1,995 Lender Fees
 30 Years Fixed
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
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.425 Points$1,360 Points Fee
$2,410 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.992% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.835 Points$2,672 Points Fee
$4,067 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.048% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.626 Points$2,003 Points Fee
$2,003 Total Fees$0 Lender Fees
 30 Years Fixed
6.058% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.059% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.743 Points$2,378 Points Fee
$2,378 Total Fees$0 Lender Fees
 30 Years Fixed
6.174% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.229% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.895 Points$2,864 Points Fee
$3,564 Total Fees$700 Lender Fees
 30 Years Fixed
Use your VA Loan Benefit to get cash from your home equity
Discover multiple refinance options
Homeowners best kept secret for cash
5.950% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.808 Points$2,586 Points Fee
$2,586 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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.
Family moving in