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: 10/17/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.586% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.957 Points$3,062 Points Fee
$7,686 Total Fees$4,624 Lender Fees
 7 Years ARM
5.640% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.958 Points$3,066 Points Fee
$5,056 Total Fees$1,990 Lender Fees
 7 Years ARM
5.871% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.820 Points$2,624 Points Fee
$4,224 Total Fees$1,600 Lender Fees
 7 Years ARM
5.991% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.927 Points$2,966 Points Fee
$4,016 Total Fees$1,050 Lender Fees
 7 Years ARM
6.300% APR 6.125% Rate 45 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$6,000 Total Fees$3,200 Lender Fees
 7 Years ARM
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5.451% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.852 Points$2,726 Points Fee
$2,726 Total Fees$0 Lender Fees
 7 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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