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: 08/21/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.237% APR 6.125% Rate 15 day rate lock $1,945 Payment per month
0.576 Points$1,843 Points Fee
$3,838 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.338% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.875 Points$2,800 Points Fee
$7,299 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.445% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.483 Points$1,546 Points Fee
$2,341 Total Fees$795 Lender Fees
 30 Years Fixed
6.458% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$3,019 Total Fees$219 Lender Fees
 30 Years Fixed
6.588% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.919 Points$2,941 Points Fee
$2,941 Total Fees$0 Lender Fees
 30 Years Fixed
6.595% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.559 Points$1,789 Points Fee
$3,184 Total Fees$1,395 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
6.599% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.718 Points$2,298 Points Fee
$3,534 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.617% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.429 Points$1,373 Points Fee
$8,173 Total Fees$6,800 Lender Fees
 30 Years Fixed
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6.466% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.959 Points$3,069 Points Fee
$3,069 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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