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: 03/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.590% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.500 Points$1,600 Points Fee
$3,200 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.622% APR 5.490% Rate 30 day rate lock $1,815 Payment per month
0.847 Points$2,710 Points Fee
$4,705 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.735% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.620 Points$1,984 Points Fee
$3,871 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.770% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.879 Points$2,813 Points Fee
$9,613 Total Fees$6,800 Lender Fees
 30 Years Fixed
5.876% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.750 Points$2,400 Points Fee
$4,490 Total Fees$2,090 Lender Fees
 30 Years Fixed
5.967% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
5.970% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.595 Points$1,904 Points Fee
$3,299 Total Fees$1,395 Lender Fees
 30 Years Fixed
5.995% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.983 Points$3,146 Points Fee
$4,141 Total Fees$995 Lender Fees
 30 Years Fixed
6.061% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.767 Points$2,454 Points Fee
$2,454 Total Fees$0 Lender Fees
 30 Years Fixed
6.332% APR 6.240% Rate 30 day rate lock $1,969 Payment per month
0.973 Points$3,114 Points Fee
$3,114 Total Fees$0 Lender Fees
 30 Years Fixed
6.501% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.858 Points$2,746 Points Fee
$4,241 Total Fees$1,495 Lender Fees
 30 Years Fixed
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5.825% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.821 Points$2,627 Points Fee
$2,627 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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