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: 08/11/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.342% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.356 Points$1,139 Points Fee
$3,134 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.350% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.468% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.850 Points$2,720 Points Fee
$3,261 Total Fees$541 Lender Fees
 30 Years Fixed
6.473% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.650 Points$2,080 Points Fee
$3,305 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.594% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.986 Points$3,155 Points Fee
$3,155 Total Fees$0 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
6.598% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.586 Points$1,875 Points Fee
$3,270 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.605% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.783 Points$2,506 Points Fee
$3,742 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.606% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.309 Points$989 Points Fee
$7,789 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.616% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.964 Points$3,085 Points Fee
$3,880 Total Fees$795 Lender Fees
 30 Years Fixed
6.697% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.747 Points$2,390 Points Fee
$2,390 Total Fees$0 Lender Fees
 30 Years Fixed
6.746% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.625 Points$2,000 Points Fee
$3,995 Total Fees$1,995 Lender Fees
 30 Years Fixed
Low rates, quick quote & approval
As low as 0% down options & down payment assistance
Proud to help you find the home loan of your future
Refinance to lower your rate
A smarter way to get cash from your home
6.565% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.672 Points$2,150 Points Fee
$2,150 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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