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: 06/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.994% APR 5.875% Rate 15 day rate lock $1,893 Payment per month
0.668 Points$2,138 Points Fee
$4,133 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.085% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.200% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.803 Points$2,570 Points Fee
$2,570 Total Fees$0 Lender Fees
 30 Years Fixed
6.244% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.507 Points$1,622 Points Fee
$8,422 Total Fees$6,800 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Refinance to lower your rate
Low rates, quick quote & approval
6.199% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.788 Points$2,522 Points Fee
$2,522 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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