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: 06/09/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.269% APR 6.124% Rate 15 day rate lock $1,945 Payment per month
0.925 Points$2,960 Points Fee
$4,955 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.336% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.525 Points$1,680 Points Fee
$2,905 Total Fees$1,225 Lender Fees
 30 Years Fixed
6.431% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.590 Points$1,888 Points Fee
$1,888 Total Fees$0 Lender Fees
 30 Years Fixed
6.459% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.568 Points$1,818 Points Fee
$3,054 Total Fees$1,236 Lender Fees
 30 Years Fixed
6.479% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.658 Points$2,106 Points Fee
$3,501 Total Fees$1,395 Lender Fees
 30 Years Fixed
6.508% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
0.936 Points$2,995 Points Fee
$4,489 Total Fees$1,494 Lender Fees
 30 Years Fixed
6.518% APR 6.375% Rate 45 day rate lock $1,997 Payment per month
0.875 Points$2,800 Points Fee
$4,795 Total Fees$1,995 Lender Fees
 30 Years Fixed
6.766% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.993 Points$3,178 Points Fee
$4,673 Total Fees$1,495 Lender Fees
 30 Years Fixed
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6.331% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.855 Points$2,736 Points Fee
$2,736 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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