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: 01/23/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.755% APR 5.625% Rate 15 day rate lock $1,843 Payment per month
0.813 Points$2,602 Points Fee
$4,597 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.870% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.880 Points$2,816 Points Fee
$4,211 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.957% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.884 Points$2,829 Points Fee
$2,829 Total Fees$0 Lender Fees
 30 Years Fixed
6.048% APR 5.875% Rate 45 day rate lock $1,893 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.275% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.976 Points$3,123 Points Fee
$5,123 Total Fees$2,000 Lender Fees
 30 Years Fixed
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5.943% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.741 Points$2,371 Points Fee
$2,371 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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