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: 09/16/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.865% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.925 Points$2,960 Points Fee
$4,010 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.976% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.874 Points$2,797 Points Fee
$3,497 Total Fees$700 Lender Fees
 30 Years Fixed
6.072% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.879 Points$2,813 Points Fee
$2,813 Total Fees$0 Lender Fees
 30 Years Fixed
6.077% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.941 Points$3,011 Points Fee
$3,011 Total Fees$0 Lender Fees
 30 Years Fixed
6.151% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$5,200 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.587% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.902 Points$2,886 Points Fee
$3,084 Total Fees$198 Lender Fees
 30 Years Fixed
We approve credit scores as low as 550 for VA and FHA refinancing
Use your VA Loan Benefit to get cash from your home equity
Homeowners best kept secret for cash
Discover multiple refinance options
5.926% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.548 Points$1,754 Points Fee
$1,754 Total Fees$0 Lender Fees
 30 Years Fixed
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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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