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: 05/12/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.023% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.986 Points$3,155 Points Fee
$5,150 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.231% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.700 Points$2,240 Points Fee
$3,635 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.265% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.739 Points$2,365 Points Fee
$9,165 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.313% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.668 Points$2,138 Points Fee
$2,138 Total Fees$0 Lender Fees
 30 Years Fixed
6.380% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.750 Points$2,400 Points Fee
$4,395 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.381% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.927 Points$2,966 Points Fee
$4,460 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.592% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.963 Points$3,082 Points Fee
$3,082 Total Fees$0 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.605 Points$1,936 Points Fee
$3,431 Total Fees$1,495 Lender Fees
 30 Years Fixed
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As low as 0% down options & down payment assistance
6.286% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.386 Points$1,235 Points Fee
$1,235 Total Fees$0 Lender Fees
 30 Years Fixed
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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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