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: 07/27/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
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
6.356% APR 6.250% Rate 15 day rate lock $1,971 Payment per month
0.502 Points$1,606 Points Fee
$3,601 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.440% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.434 Points$1,389 Points Fee
$2,184 Total Fees$795 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
6.540% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.956 Points$3,059 Points Fee
$9,859 Total Fees$6,800 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
6.607% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.809 Points$2,589 Points Fee
$3,825 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.620% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.922 Points$2,950 Points Fee
$4,345 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.839% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.916 Points$2,931 Points Fee
$2,931 Total Fees$0 Lender Fees
 30 Years Fixed
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Refinance to lower your rate
As low as 0% down options & down payment assistance
A smarter way to get cash from your home
6.567% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.694 Points$2,221 Points Fee
$2,221 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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