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: 11/03/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.385% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.863 Points$2,762 Points Fee
$4,775 Total Fees$2,013 Lender Fees
 7 Years ARM
6.490% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.884 Points$2,829 Points Fee
$3,879 Total Fees$1,050 Lender Fees
 7 Years ARM
6.583% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.737 Points$2,358 Points Fee
$2,899 Total Fees$541 Lender Fees
 7 Years ARM
Refinance to lower your rate
Low rates, quick quote & approval
As low as 0% down options & down payment assistance
Discover multiple refinance options
6.463% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.923 Points$2,954 Points Fee
$2,954 Total Fees$0 Lender Fees
 7 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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