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: 09/08/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.335% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.276 Points$883 Points Fee
$2,878 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.430% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.500 Points$1,600 Points Fee
$6,099 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.564% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.523 Points$1,674 Points Fee
$2,469 Total Fees$795 Lender Fees
 30 Years Fixed
6.581% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.725 Points$2,320 Points Fee
$2,861 Total Fees$541 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.633% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.956 Points$3,059 Points Fee
$4,454 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.667% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.957 Points$3,062 Points Fee
$9,862 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.696% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.730 Points$2,336 Points Fee
$2,336 Total Fees$0 Lender Fees
 30 Years Fixed
6.704% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.503 Points$1,610 Points Fee
$2,846 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.770% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.814% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.654 Points$2,093 Points Fee
$2,093 Total Fees$0 Lender Fees
 30 Years Fixed
6.843% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.492 Points$1,574 Points Fee
$3,068 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.948% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.746 Points$2,387 Points Fee
$2,387 Total Fees$0 Lender Fees
 30 Years Fixed
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Refinance to lower your rate
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6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.961 Points$3,075 Points Fee
$3,075 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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