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Mortgage Rates | Search for Mortgage Rates and Refinance Rates by Searching our List of Mortgage Rates Today Below. Our Database of Rates is Updated Daily with Today's Mortgage Rates and Refinance Rates
 

Rhode Island Mortgage Rates and Refinance Rates Today

Mortgages in Rhode Island: Find the best Rhode Island mortgage rates today from banks and credit unions. When results are displayed for mortgage rates in Rhode Island, you can easily sort your search results by lender, rate, APR and points so you can easily compare results. Whether you’re looking for conforming, jumbo, adjustable or interest-only mortgage rates in Rhode Island. Another option is searching for Rhode Island refinance rates if you're looking to refinance a loan. Best of all you don't have to provide any personal information to see a list of Rhode Island mortgage rates or refinance rates.

Search and Compare Rhode Island Current Mortgage Rates & Refinance Rates

Mortgage Rates Updated Tue Aug 22, 2017
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
 
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: None
Thank you for your inquiry, we will be in touch shortly. 
 
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at 0.100 pts
30 day lock rate
Est payment: $912.10
Fees in APR: $1,506
Thank you for your inquiry, we will be in touch shortly. 
 
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at 1.100 pts
30 day lock rate
Est payment: $898.09
Fees in APR: $806
Thank you for your inquiry, we will be in touch shortly. 
 
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Flagstar Bank Logo
at 0.000 pts
30 day lock rate
Est payment: $940.47
Fees in APR: $786
Thank you for your inquiry! 
 
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Santander Bank, N.A.

4.074%
8/22/2017
3.990%
at 0.000 pts
60 day lock rate
Est payment: $953.68
Fees in APR: $2,004
 
 
Bristol County Savings Bank

3.935%
8/22/2017
3.875%
at 0.500 pts
45 day lock rate
Est payment: $940.47
Fees in APR: $460
 
 
TD Bank, NA

4.085%
8/22/2017
4.000%
at 0.500 pts
45 day lock rate
Est payment: $954.83
Fees in APR: $1,043
 
 
Washington Trust Co

3.794%
8/22/2017
3.750%
at 0.000 pts
30 day lock rate
Est payment: $926.23
Fees in APR: $1,083
 
 
Raymond James Bank, NA

4.201%
8/22/2017
4.125%
at 0.250 pts
45 day lock rate
Est payment: $969.30
Fees in APR: $1,299
 
 
Bank of America

4.250%
8/16/2017
4.125%
at 0.823 pts
60 day lock rate
Est payment: $969.30
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 and Refinance Rates

Conforming home mortgage rates in Rhode Island are the most popular type of mortgages rates you can find advertised for home buyers in Rhode Island. Conforming mortgages, also known as conventional mortgages, are mortgages that meet certain criteria set out by Federal Housing Finance Agency (FHFA). There is a loan limit set for each county in the United States. Higher mortgage loan limits are set for high housing cost areas. Rhode Island mortgages that 'conform' to the standards set out by the Federal Housing Finance Agency can be purchased by government sponsored entities (GSE) like Freddie Mac and Fannie Mae. This process guarantees Rhode Island banks, mortgage companies and credit unions are able to resell home mortgage loans that they make. This process also makes Rhode Island conforming mortgage rates and refi rates lower than Rhode Island jumbo mortgage rates and jumbo refinance rates because the GSE's can’t purchase jumbo mortgages that are made by Rhode Island home finance companies, credit unions and banks.

Jumbo Mortgage Rates and Refinance Rates in Rhode Island

Jumbo mortgage rates in Rhode Island are advertised for home loans that have a dollar amount that is higher than conventional loan amounts. Jumbo mortgage rates and jumbo refinance rates are always higher than conventional mortgage rates for both fixed mortgage rates in Rhode Island and adjustable mortgage rates in Rhode Island. Interest rates are higher because third party investors buy the home loans credit unions, banks and mortgage companies in Rhode Island make.

Rhode Island Fixed Mortgage Rates and Fixed Refinance Rates

Rhode Island fixed rate mortgages are the most common mortgage available to borrowers. With a fixed mortgage the interest rate stays the same for the entire loan period. Fixed mortgages are available in 40 years, 30 years, 20 years, 15 years and 10 years. The longer the mortgage term the lower the monthly mortgage payment will be.

Rhode Island Adjustable Mortgage Rates

Adjustable Rhode Island mortgage rates are fixed for a period of time and then the mortgage rate adjusts every year after. The most common adjustable mortgages terms available in Rhode Island are 1 year, 3 year, 5year and 7 year. Adjustable rate mortgages are advertised as 1 year, 3/1, 5/1 and 7/1. Adjustable mortgages are available for conforming dollar amounts and jumbo dollar amounts in Rhode Island. Most adjustable mortgages in Rhode Island have yearly caps and life time maximum caps on how high the interest rate can fluctuate.



Cities in Rhode Island