Rhode Island Mortgage Rates and Refinance Rates

Rhode Island Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Rhode Island. Our rate table has a list of Rhode Island mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Rhode Island you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Rhode Island include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Rhode Island listed below.

Loan Type
Purchase    Refinance
Location
State/City    Zip Code
Loan Amt Points FICO % Down
  
$
30 yr fixed refi in 02918, All points, Credit score: 740+     Sort by:
Lender
APR
Rate
Cost & Fees
Notes
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.603
4.500
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $3,300
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
4.974
4.875
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.100 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $3,070
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.296
5.125
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.100 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $5,411
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.655
4.625
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $756
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.575
4.490
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 20132934LL
(877) 407-3813
at 0.100 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $2,672
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.596
4.500
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,032
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.826
4.725
USD
CIT Bank Logo
NMLS # 541760
at 0.100 pts
45 day lock rate
Est payment: $1,560.42
Fees in APR: $3,172
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.677
4.490
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 1.000 pts
30 day lock rate
Est payment: $1,518.27
Fees in APR: $3,467
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.881
4.750
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 1.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $1,503
 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.951
4.875
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $2,313
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.701
4.625
USD
eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 0.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,325
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from McGlone Mortgage Group
McGlone Mortgage Group
https://www.brimg.net/system/img/inst/2125_logo.gif
300000
Refinance
4.770
4.750
USD
McGlone Mortgage Group Logo
NMLS # 3232
State Lic # 20001118LL
(877) 475-4039
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $676
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.875
4.875
USD
eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
5.140
5.125
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 0.000 pts
30 day lock rate
Est payment: $1,633.46
Fees in APR: $491
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.750
4.750
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 0.000 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Foxboro Federal Savings
Foxboro Federal Savings
https://www.brimg.net/system/img/inst/2001_logo.gif
300000
Refinance
4.894
4.875
USD
Foxboro Federal Savings Logo
NMLS # 644159
at 0.000 pts
45 day lock rate
Est payment: $1,587.62
Fees in APR: $644
Our time on Bankrate is limited; see rates 24/7 on our website. 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.671
4.625
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 0.000 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $1,595
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.403
5.375
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 0.000 pts
30 day lock rate
Est payment: $1,679.91
Fees in APR: $944
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from First Internet Bank
First Internet Bank
https://www.brimg.net/system/img/inst/7814_logo.gif
300000
Refinance
4.757
4.750
USD
First Internet Bank Logo
NMLS # 424182
(877) 321-6303
at 0.000 pts
30 day lock rate
Est payment: $1,564.94
Fees in APR: $237
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HomeDirect Mortgage
HomeDirect Mortgage
https://www.brimg.net/system/img/inst/10447_logo.gif
300000
Refinance
4.875
4.875
USD
HomeDirect Mortgage Logo
NMLS # 403501
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
 
 
30 yr fixed Mortgage Loan from Ally Bank
Ally Bank
https://www.brimg.net/system/img/inst/10271_logo.gif
300000
Refinance
5.125
5.125
USD
Ally Bank Logo
NMLS # 181005
(877) 738-5335
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.649
4.615
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 20132934LL
(877) 407-3813
at 0.000 pts
30 day lock rate
Est payment: $1,540.62
Fees in APR: $1,178
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.875
4.875
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: None
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from ConsumerDirect Mortgage, a division of First Bank
ConsumerDirect Mortgage, a division of First Bank
https://www.brimg.net/system/img/inst/8087_logo.gif
300000
Refinance
4.667
4.250
USD
ConsumerDirect Mortgage, a division of First Bank Logo
NMLS # 472433
(877) 591-8350
at 2.000 pts
30 day lock rate
Est payment: $1,475.82
Fees in APR: $8,355
 
30 yr fixed Mortgage Loan from CF Bank
CF Bank
https://www.brimg.net/system/img/inst/10390_logo.gif
300000
Refinance
4.524
4.375
USD
CF Bank Logo
NMLS # 409132
(877) 466-9076
at 1.100 pts
45 day lock rate
Est payment: $1,497.86
Fees in APR: $1,922
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Flagstar Bank
Flagstar Bank
https://www.brimg.net/system/img/inst/6546_logo.gif
300000
Refinance
4.798
4.625
USD
Flagstar Bank Logo
NMLS # 417490
(877) 845-0652
at 1.100 pts
30 day lock rate
Est payment: $1,542.42
Fees in APR: $2,665
Thank you for your inquiry! 
 
30 yr fixed Mortgage Loan from HSBC Bank
HSBC Bank
https://www.brimg.net/system/img/inst/10500_logo.gif
300000
Refinance
5.161
4.875
USD
HSBC Bank Logo
NMLS # 399799
(877) 321-1946
at 1.100 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $6,290
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from Triumph Bank Home Loans
Triumph Bank Home Loans
https://www.brimg.net/system/img/inst/9373_logo.gif
300000
Refinance
4.597
4.500
USD
Triumph Bank Home Loans Logo
NMLS # 258821
(877) 441-8944
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $68
Thanks for the inquiry! 
 
30 yr fixed Mortgage Loan from CIT Bank
CIT Bank
https://www.brimg.net/system/img/inst/10026_logo.gif
300000
Refinance
4.690
4.500
USD
CIT Bank Logo
NMLS # 541760
at 1.100 pts
45 day lock rate
Est payment: $1,520.06
Fees in APR: $3,282
Thank you for your inquiry! We look forward to working with you. 
 
30 yr fixed Mortgage Loan from eRates Mortgage
eRates Mortgage
https://www.brimg.net/system/img/inst/9139_logo.gif
300000
Refinance
4.640
4.500
USD
eRates Mortgage Logo
NMLS # 1071
(877) 210-6855
at 1.100 pts
30 day lock rate
Est payment: $1,520.06
Fees in APR: $1,575
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed Mortgage Loan from Sebonic Financial
Sebonic Financial
https://www.brimg.net/system/img/inst/8420_logo.gif
300000
Refinance
4.444
4.240
USD
Sebonic Financial Logo
NMLS # 66247
State Lic # 20132934LL
(877) 407-3813
at 1.100 pts
30 day lock rate
Est payment: $1,474.06
Fees in APR: $3,866
Thank you for your inquiry, we will be in touch shortly. 
 
30 yr fixed mtg refi Mortgage Loan from Washington Trust Co
Washington Trust Co
300000
Refinance
4.907
4.875
USD
Washington Trust Co
4.907%
10/16/2018
4.875%
at 0.000 pts
30 day lock rate
Est payment: $1,587.62
Fees in APR: $1,083
 
 
30 yr fixed mtg refi Mortgage Loan from Raymond James Bank, NA
Raymond James Bank, NA
300000
Refinance
5.163
5.125
USD
Raymond James Bank, NA
5.163%
10/16/2018
5.125%
at 0.000 pts
45 day lock rate
Est payment: $1,633.46
Fees in APR: $1,299
 
 
30 yr fixed mtg refi Mortgage Loan from TD Bank, NA
TD Bank, NA
300000
Refinance
4.802
4.750
USD
TD Bank, NA
4.802%
10/16/2018
4.750%
at 0.250 pts
45 day lock rate
Est payment: $1,564.94
Fees in APR: $1,043
 
 
30 yr fixed mtg refi Mortgage Loan from Citizens Bank, NA
Citizens Bank, NA
300000
Refinance
5.029
5.000
USD
Citizens Bank, NA
5.029%
10/19/2018
5.000%
at 0.000 pts
60 day lock rate
Est payment: $1,610.46
Fees in APR: $998
 
 
30 yr fixed mtg refi Mortgage Loan from Santander Bank, N.A.
Santander Bank, N.A.
300000
Refinance
5.184
5.125
USD
Santander Bank, N.A.
5.184%
10/19/2018
5.125%
at 0.000 pts
60 day lock rate
Est payment: $1,633.46
Fees in APR: $2,004
 
 
30 yr fixed mtg refi Mortgage Loan from Bank of America
Bank of America
300000
Refinance
4.966
4.875
USD
Bank of America
4.966%
10/17/2018
4.875%
at 0.593 pts
60 day lock rate
Est payment: $1,587.62
Fees in APR: $1,329
 
 

Mortage Data Provided by Bankrate.com Many lenders have different rates on their own Websites than those posted on Bankrate.com. In order to get the Bankrate.com rate, please identify yourself as a Bankrate.com customer. If you believe that you have received an inaccurate quote or are otherwise not satisfied with the services provided to you by the lender you choose, please click here.

The rates above were collected by Bankrate.com on the dates specified. Rates are subject to change without notice and may vary from branch to branch. Rate/APR and terms may vary based on the creditworthiness of the individual and the extent to which the loan differs from the one used for Bankrate.com quotes. For criteria used in surveys of rates above, click here. These quotes are from banks, thrifts, and brokers, some of whom have paid for a link to their own Web site, where you can find additional information.





Rhode Island Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Rhode Island. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Rhode Island mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Rhode Island mortgage loans that have been made. As a result, Rhode Island mortgage rates today are lower than jumbo interest rates in Rhode Island. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Rhode Island Super Conforming Home Loan Rates

Super conforming mortgages in Rhode Island are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Rhode Island Jumbo Loan Interest Rates

Rhode Island jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Rhode Island are usually 0.75 basis points higher than conforming mortgage rates in Rhode Island because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Rhode Island Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Rhode Island. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Rhode Island Adjustable Interest Rates

Rhode Island adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Rhode Island Interest Only Home Mortgage Rates

Rhode Island interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Rhode Island FHA Mortgage Mortgage Rates

Borrowers in Rhode Island must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Rhode Island are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.


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