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: 09/15/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.886% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.985 Points$3,152 Points Fee
$4,752 Total Fees$1,600 Lender Fees
 7 Years ARM
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 7 Years ARM
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Homeowners best kept secret for cash
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5.566% APR 5.500% Rate 30 day rate lock $1,817 Payment per month
0.732 Points$2,342 Points Fee
$2,342 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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