Today's Fixed Rate4.9%5.3% APR Fixed Mortgage

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Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies

Rhode Island Mortgage Rates

Rhode Island might be the smallest state in the country, but there is a lot to love about the lifestyle packed into this little part of New England. With beautiful beaches, excellent schools, and close proximity to New York City, Boston, and Cape Cod, there is plenty to fall in love with in the Ocean State.

No matter what reasons are driving you towards purchasing a home in Rhode Island, you will want to make sure that you find a lender that is a good fit for your situation. Using, you can find and compare a wide range of lenders to help you find the best fit for life in New England.

Common Rhode Island Loan Types:

  • Rhode Island conventional mortgages: Conventional mortgages are the most common type of home loan in Rhode Island. These mortgages typically require a modest down payment, are available at market rates, and require meeting specific qualifications. Aspiring homebuyers can use to compare lenders for conventional mortgages in Rhode Island.
  • Rhode Island FHA loans: FHA loans are insured by the Federal Housing Authority. They come with the benefit of lower down payment and credit score requirements, which can be very appealing for first-time homebuyers. However, the FHA insurance does require payment of a Mortgage Insurance Premium (MIP). can help you compare lenders that offer FHA mortgages in Rhode Island.
  • Rhode Island VA loans: VA loans are mortgages offered through traditional lenders and guaranteed by the VA. These loans are available for all retired and active-duty military members, and they typically benefit from eliminating a down payment. can help qualified buyers compare VA mortgage lenders in Rhode Island.

Rhode Island Mortgage Rates Compared to National Averages

Mortgage rates in Rhode Island tend to come in slightly lower than the national average, which helps offset the cost of living here, which is somewhat higher than the national average.

If you are convinced that Rhode Island is the place for you, let help you find the perfect lender to make your dream home a reality!