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: 01/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.705% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.875 Points$2,800 Points Fee
$2,800 Total Fees$0 Lender Fees
 30 Years Fixed
5.807% APR 5.625% Rate 45 day rate lock $1,843 Payment per month
1.000 Points$3,200 Points Fee
$6,400 Total Fees$3,200 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.648 Points$2,074 Points Fee
$3,069 Total Fees$995 Lender Fees
 30 Years Fixed
6.090% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.854 Points$2,733 Points Fee
$3,433 Total Fees$700 Lender Fees
 30 Years Fixed
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5.708% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.913 Points$2,922 Points Fee
$2,922 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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