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: 09/10/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.498% APR 6.375% Rate 15 day rate lock $1,997 Payment per month
0.668 Points$2,138 Points Fee
$4,133 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.603% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$7,699 Total Fees$4,499 Lender Fees
 30 Years Fixed
6.737% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.775 Points$2,480 Points Fee
$3,705 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.873% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.954 Points$3,053 Points Fee
$4,289 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.896% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.687 Points$2,198 Points Fee
$8,998 Total Fees$6,800 Lender Fees
 30 Years Fixed
6.896% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.722 Points$2,310 Points Fee
$4,805 Total Fees$2,495 Lender Fees
 30 Years Fixed
6.969% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.953 Points$3,050 Points Fee
$3,050 Total Fees$0 Lender Fees
 30 Years Fixed
6.977% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.601 Points$1,923 Points Fee
$3,318 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.985% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.655 Points$2,096 Points Fee
$3,590 Total Fees$1,494 Lender Fees
 30 Years Fixed
7.187% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.622 Points$1,990 Points Fee
$1,990 Total Fees$0 Lender Fees
 30 Years Fixed
As low as 0% down options & down payment assistance
Proud to help you find the home loan of your future
Refinance to lower your rate
A smarter way to get cash from your home
Low rates, quick quote & approval
6.828% APR 6.750% Rate 30 day rate lock $2,076 Payment per month
0.804 Points$2,573 Points Fee
$2,573 Total Fees$0 Lender Fees
 30 Years Fixed
Updating Rates...
Updating Rates...
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.
Family moving in