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: 07/07/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.101% APR 5.990% Rate 15 day rate lock $1,917 Payment per month
0.575 Points$1,840 Points Fee
$3,835 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.238% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.908 Points$2,906 Points Fee
$3,956 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.286% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.967 Points$3,094 Points Fee
$9,894 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.307% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.475 Points$1,520 Points Fee
$2,061 Total Fees$541 Lender Fees
 30 Years Fixed
6.350% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.746 Points$2,387 Points Fee
$3,623 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.370% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.829 Points$2,653 Points Fee
$4,048 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.391% APR 6.250% Rate 45 day rate lock $1,971 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.434% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.477% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.603 Points$1,930 Points Fee
$3,424 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.561% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.736 Points$2,355 Points Fee
$2,355 Total Fees$0 Lender Fees
 30 Years Fixed
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Refinance to lower your rate
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6.296% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.483 Points$1,546 Points Fee
$1,546 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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