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: 06/24/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.846 Points$2,707 Points Fee
$3,943 Total Fees$1,236 Lender Fees
 7 Years ARM
6.374% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.984 Points$3,149 Points Fee
$4,199 Total Fees$1,050 Lender Fees
 7 Years ARM
6.518% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 7 Years ARM
6.847% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.994 Points$3,181 Points Fee
$3,181 Total Fees$0 Lender Fees
 7 Years ARM
Refinance to lower your rate
As low as 0% down options & down payment assistance
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5.956% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.872 Points$2,790 Points Fee
$2,790 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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