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: 04/04/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.612% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.744 Points$2,381 Points Fee
$3,981 Total Fees$1,600 Lender Fees
 5 Years ARM
Low rates, quick quote & approval
Refinance to lower your rate
Discover multiple refinance options
As low as 0% down options & down payment assistance
5.831% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.885 Points$2,832 Points Fee
$2,832 Total Fees$0 Lender Fees
 5 Years ARM
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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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