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: 12/19/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.828% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.849 Points$2,717 Points Fee
$2,717 Total Fees$0 Lender Fees
 30 Years Fixed
5.846% APR 5.750% Rate 15 day rate lock $1,868 Payment per month
0.424 Points$1,357 Points Fee
$3,352 Total Fees$1,995 Lender Fees
 30 Years Fixed
5.854% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.638 Points$2,042 Points Fee
$3,642 Total Fees$1,600 Lender Fees
 30 Years Fixed
5.864% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.649 Points$2,077 Points Fee
$3,964 Total Fees$1,887 Lender Fees
 30 Years Fixed
5.944% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.425 Points$1,360 Points Fee
$2,410 Total Fees$1,050 Lender Fees
 30 Years Fixed
5.964% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.959 Points$3,069 Points Fee
$3,069 Total Fees$0 Lender Fees
 30 Years Fixed
5.997% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.729 Points$2,333 Points Fee
$4,323 Total Fees$1,990 Lender Fees
 30 Years Fixed
5.998% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.897 Points$2,870 Points Fee
$4,265 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.058% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.625 Points$2,000 Points Fee
$2,000 Total Fees$0 Lender Fees
 30 Years Fixed
6.067% APR 5.990% Rate 30 day rate lock $1,917 Payment per month
0.824 Points$2,637 Points Fee
$2,637 Total Fees$0 Lender Fees
 30 Years Fixed
6.091% APR 6.000% Rate 30 day rate lock $1,919 Payment per month
0.669 Points$2,141 Points Fee
$3,136 Total Fees$995 Lender Fees
 30 Years Fixed
6.163% APR 6.000% Rate 45 day rate lock $1,919 Payment per month
0.750 Points$2,400 Points Fee
$5,600 Total Fees$3,200 Lender Fees
 30 Years Fixed
6.233% APR 6.125% Rate 30 day rate lock $1,945 Payment per month
0.931 Points$2,979 Points Fee
$3,679 Total Fees$700 Lender Fees
 30 Years Fixed
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5.929% APR 5.875% Rate 30 day rate lock $1,893 Payment per month
0.579 Points$1,853 Points Fee
$1,853 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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