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: 01/01/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.712% APR 5.625% Rate 30 day rate lock $1,843 Payment per month
0.962 Points$3,078 Points Fee
$3,078 Total Fees$0 Lender Fees
 5 Years ARM
5.987% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.880 Points$2,816 Points Fee
$3,866 Total Fees$1,050 Lender Fees
 5 Years ARM
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5.313% APR 5.250% Rate 30 day rate lock $1,768 Payment per month
0.710 Points$2,272 Points Fee
$2,272 Total Fees$0 Lender Fees
 5 Years ARM
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Rate data provided by RateUpdate.com. Displayed by ICB, a division of 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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