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: 03/24/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.088% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.947 Points$3,030 Points Fee
$3,030 Total Fees$0 Lender Fees
 30 Years Fixed
6.098% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.544 Points$1,741 Points Fee
$3,736 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.251% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.912 Points$2,918 Points Fee
$4,313 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.371% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.507 Points$1,622 Points Fee
$8,422 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.464% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.938 Points$3,002 Points Fee
$3,002 Total Fees$0 Lender Fees
 30 Years Fixed
6.743% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.758 Points$2,426 Points Fee
$3,921 Total Fees$1,495 Lender Fees
 30 Years Fixed
Discover multiple refinance options
America's #1 Retail Lender (Scottsman Guide)
Refinance to lower your rate
Low rates, quick quote & approval
6.278% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.301 Points$963 Points Fee
$963 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in