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: 09/26/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.832% APR 6.750% Rate 15 day rate lock $2,076 Payment per month
0.217 Points$694 Points Fee
$2,689 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.947% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.625 Points$2,000 Points Fee
$6,499 Total Fees$4,499 Lender Fees
 30 Years Fixed
7.084% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.725 Points$2,320 Points Fee
$2,861 Total Fees$541 Lender Fees
 30 Years Fixed
7.090% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
7.140% APR 6.990% Rate 30 day rate lock $2,127 Payment per month
0.740 Points$2,368 Points Fee
$4,863 Total Fees$2,495 Lender Fees
 30 Years Fixed
7.267% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.961 Points$3,075 Points Fee
$4,569 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.280% APR 7.000% Rate 30 day rate lock $2,129 Payment per month
0.713 Points$2,282 Points Fee
$9,082 Total Fees$6,800 Lender Fees
 30 Years Fixed
7.476% APR 7.375% Rate 30 day rate lock $2,211 Payment per month
1.000 Points$3,200 Points Fee
$3,200 Total Fees$0 Lender Fees
 30 Years Fixed
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7.297% APR 7.250% Rate 30 day rate lock $2,183 Payment per month
0.465 Points$1,488 Points Fee
$1,488 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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