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30-Year Fixed Conforming Mortgage Refinance

New Jersey 30-Year Fixed Mortgage Refinance Rates 2026

Compare New Jersey 30-Year Fixed Conforming Mortgage Refinance Rates with a loan amount of $320,000. Use the search box below to change the mortgage product or the loan amount. Click the lender name to view more information.

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New Jersey 30-Year Fixed Conforming Mortgage Refinance

January 6, 2026
Average: 6.74% APR

Advertiser Disclosure

Lender	APR	Rate (%)	Monthly Payment^?
Agave Home Loans NMLS ID: 1951574	REFI, HELOC, & Home Equity Loan Options A+ BBB Rating & 1500+ 5-Star Reviews Get a Quote WITHOUT a Hard Credit Pull Top 3 in Customer Satisfaction by Lending Tree Q4 2024 30 Yr Fixed		$0	Learn More
District Lending NMLS ID: 1835285	5.760% 30 Yr Fixed	5.625% Fees & Points $4,765 Total 0.989 Pts: $3,165 $1,600 Fees	$1,843	Learn More See Table View
Colonial Mortgage Service Company of America NMLS ID: 112851 License#: N0002974	5.819% 30 Yr Fixed	5.750% Fees & Points $2,397 Total 0.749 Pts: $2,397 $0 Fees	$1,868	Learn More See Table View
Reliant Home Funding, Inc. NMLS ID: 292473	5.853% 30 Yr Fixed	5.750% Fees & Points $3,579 Total 0.495 Pts: $1,584 $1,995 Fees	$1,868	Learn More See Table View
Farmers Bank of Kansas City NMLS ID: 613839	5.862% 30 Yr Fixed	5.750% Fees & Points $3,903 Total 0.630 Pts: $2,016 $1,887 Fees	$1,868	Learn More See Table View
Northpointe Bank NMLS ID: 447490	5.868% 30 Yr Fixed	5.750% Fees & Points $4,141 Total 0.858 Pts: $2,746 $1,395 Fees	$1,868	Learn More See Table View
Barrett Financial Group, L.L.C. NMLS ID: 181106	5.887% 30 Yr Fixed	5.750% Fees & Points $4,890 Total 0.875 Pts: $2,800 $2,090 Fees	$1,868	Learn More See Table View
Bergen Mortgage Enterprise LLC NMLS ID: 1897215	5.967% 30 Yr Fixed	5.875% Fees & Points $3,200 Total 1.000 Pts: $3,200 $0 Fees	$1,893	Learn More See Table View
LoanFlight Lending, LLC NMLS ID: 1522344	6.040% 30 Yr Fixed	5.990% Fees & Points $1,712 Total 0.535 Pts: $1,712 $0 Fees	$1,917	Learn More See Table View
Allied Mortgage Group, Inc. NMLS ID: 1067	6.060% 30 Yr Fixed	5.990% Fees & Points $2,406 Total 0.752 Pts: $2,406 $0 Fees	$1,917	Learn More See Table View
Better.com NMLS ID: 330511	6.087% 30 Yr Fixed	6.000% Fees & Points $2,976 Total 0.619 Pts: $1,981 $995 Fees	$1,919	Learn More See Table View
River City Mortgage LLC NMLS ID: 142954	6.095% 30 Yr Fixed	5.999% Fees & Points $3,395 Total 0.439 Pts: $1,405 $1,990 Fees	$1,919	Learn More See Table View
PenFed Credit Union NMLS ID: 401822	6.163% 30 Yr Fixed	6.000% Fees & Points $5,600 Total 0.750 Pts: $2,400 $3,200 Fees	$1,919	Learn More See Table View
New American Funding, LLC. NMLS ID: 6606	6.217% 30 Yr Fixed	6.125% Fees & Points $3,130 Total 0.978 Pts: $3,130 $0 Fees	$1,945	Learn More See Table View
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894	6.225% 30 Yr Fixed	6.125% Fees & Points $3,430 Total 0.853 Pts: $2,730 $700 Fees	$1,945	Learn More See Table View
Veterans United Home Loans NMLS ID: 1907	Use your VA Loan benefits to get cash from your home equity Get a personalized quote fast with instant uploads and 24/7 access Over 300,000 verified 5-star reviews 30 Yr Fixed			Learn More
Quicken Loans NMLS ID: 167283	Homeowners best kept secret for cash See if a HELOAN could lower payments Access cash without a changing your rate It costs $0 to see how much you could get with a lender 30 Yr Fixed			Learn More
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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.
Kearny Bank Updated 06/13/2025	0.00%	0.00% 0.00 points $0.00 fees	$nan	Learn MoreShow Less See Table View
Spencer Savings Bank, Sla Updated 01/02/2026	6.04%	5.54% 0.00 points $3,241.00 fees	$1,823.96	Learn MoreShow Less See Table View
Pnc Bank, National Association Updated 10/04/2022	6.20%	6.00% 0.00 points $3,210.00 fees	$1,918.56	Learn MoreShow Less See Table View
Union County Savings Bank Updated 01/24/2023	6.04%	6.00% 0.00 points $0.00 fees	$1,918.56	Learn MoreShow Less See Table View
U.s. Bank National Association Updated 05/07/2023	6.27%	6.13% 0.63 points $0.00 fees	$1,944.35	Learn MoreShow Less See Table View
Charles Schwab Bank, Ssb Updated 01/02/2026	5.95%	6.25% 1.88 points $3,210.00 fees	$1,969.25	Learn MoreShow Less See Table View
Blue Foundry Bank Updated 01/02/2026	6.30%	6.30% 0.00 points $0.00 fees	$1,980.50	Learn MoreShow Less See Table View
Emigrant Bank Updated 01/02/2026	6.17%	6.36% 0.00 points $0.00 fees	$1,993.25	Learn MoreShow Less See Table View
Haven Savings Bank Updated 06/15/2022	6.42%	6.38% 0.00 points $0.00 fees	$1,997.43	Learn MoreShow Less See Table View
Td Bank, National Association Updated 10/10/2022	6.67%	6.50% 0.00 points $4,266.00 fees	$2,022.62	Learn MoreShow Less See Table View
Pentagon Credit Union Updated 06/15/2022 Restrictions	6.52%	6.50% 0.00 points $2,784.00 fees	$2,022.62	Learn MoreShow Less See Table View
Jovia Financial Credit Union Updated 02/28/2023 Restrictions	6.60%	6.50% 0.00 points $0.00 fees	$2,022.62	Learn MoreShow Less See Table View
Manasquan Bank Updated 10/06/2023	7.73%	6.59% 0.00 points $0.00 fees	$2,041.17	Learn MoreShow Less See Table View
Santander Bank, N.a. Updated 12/20/2022	6.94%	6.63% 2.00 points $4,000.00 fees	$2,049.00	Learn MoreShow Less See Table View
Citibank, National Association Updated 10/18/2024	6.59%	6.72% 0.63 points $2,739.00 fees	$2,068.50	Learn MoreShow Less See Table View
Citizens Updated 05/08/2023	6.82%	6.75% 0.25 points $0.00 fees	$2,075.51	Learn MoreShow Less See Table View
Columbia Bank Of Fair Lawn, New Jersey Updated 03/17/2023	6.81%	6.80% 0.00 points $0.00 fees	$2,086.16	Learn MoreShow Less See Table View
Unity Bank Updated 10/10/2025	6.28%	6.80% 0.00 points $0.00 fees	$2,087.01	Learn MoreShow Less See Table View
Jpmorgan Chase Bank, National Association Updated 02/21/2024	6.96%	6.88% 0.00 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Bank Of America, National Association Updated 05/07/2023	7.05%	6.88% 0.84 points $0.00 fees	$2,102.17	Learn MoreShow Less See Table View
Data provided by BestCashCow

Advertiser Disclosure: The lenders whose rates and other terms appear on this chart are ICB's advertising partners. They provide their rate information to our data partner RateUpdate.com. Unless adjusted by the consumer, advertisers are sorted by APR from lowest to highest. For any advertising partners that do not provide their rate they are listed in advertisement display units at the bottom of the chart. Advertising partners may not pay to improve the frequency priority or prominence of their display. The interest rates, annual percentage rates and other terms advertised here are estimates provided by those advertising partners based on the information you entered above and do not bind. Any lender Monthly payment amounts stated do not include amounts for taxes and insurance premiums. The actual payment obligation will be greater if taxes and insurance are included. Although our data partner RateUpdate.com collects the information from the financial institutions themselves, the accuracy of the data cannot be guaranteed. Rates may change without notice and can change intraday. Some of the information contained in the rate tables including but not limited to special marketing notes is provided directly by the lenders. Please verify the rates and offers before applying for a loan with the financial institution themselves. No rate is binding until locked by a lender.

¹ 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, insurance premiums or private mortgage insurance if applicable. Actual payments will be greater with taxes and insurance included. Click here for more information on rates and product details.

Rates from this table are based on loan amount of $320,000 and a variety of factors including credit score and loan to value ratios. Rates may change at any time and are not guaranteed to be correct. For specific requirements please check with the lender.

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New Jersey 30-Year Fixed Mortgage Refinance Rates 2026

New Jersey 30-Year Fixed Conforming Mortgage Refinance

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