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: 01/30/2025)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
6.514% APR 6.375% Rate 30 day rate lock $1,997 Payment per month
1.000 Points$3,200 Points Fee
$4,868 Total Fees$1,668 Lender Fees
 30 Years Fixed
6.556% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.588 Points$1,882 Points Fee
$1,882 Total Fees$0 Lender Fees
 30 Years Fixed
6.574% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.876 Points$2,803 Points Fee
$2,803 Total Fees$0 Lender Fees
 30 Years Fixed
6.580% APR 6.490% Rate 30 day rate lock $2,021 Payment per month
0.690 Points$2,208 Points Fee
$3,218 Total Fees$1,010 Lender Fees
 30 Years Fixed
6.596% APR 6.500% Rate 30 day rate lock $2,023 Payment per month
0.675 Points$2,160 Points Fee
$3,210 Total Fees$1,050 Lender Fees
 30 Years Fixed
6.683% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.601 Points$1,923 Points Fee
$1,923 Total Fees$0 Lender Fees
 30 Years Fixed
6.729% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.861 Points$2,755 Points Fee
$3,455 Total Fees$700 Lender Fees
 30 Years Fixed
6.740% APR 6.625% Rate 30 day rate lock $2,049 Payment per month
0.881 Points$2,819 Points Fee
$3,814 Total Fees$995 Lender Fees
 30 Years Fixed
6.933% APR 6.875% Rate 30 day rate lock $2,103 Payment per month
0.595 Points$1,904 Points Fee
$1,904 Total Fees$0 Lender Fees
 30 Years Fixed
7.200% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.750 Points$2,400 Points Fee
$2,400 Total Fees$0 Lender Fees
 30 Years Fixed
7.202% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.762 Points$2,438 Points Fee
$2,636 Total Fees$198 Lender Fees
 30 Years Fixed
7.212% APR 7.125% Rate 30 day rate lock $2,156 Payment per month
0.872 Points$2,790 Points Fee
$2,790 Total Fees$0 Lender Fees
 30 Years Fixed
Use your VA Loan Benefit to get cash from your home equity
6.702% APR 6.625% Rate 45 day rate lock $2,049 Payment per month
0.543 Points$1,738 Points Fee
$2,622 Total Fees$884 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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