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Home Mortgage Loan Ratesin Rhode Island
Planning on purchasing a new home? Use ERATE®'s rate chart to compare today's top rates in Rhode Island 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 home loan to ensure you get the best rate and pricing.
(Last Updated: 03/13/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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|
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5.646% APR | 5.500% Rate 45 day rate lock | $1,817 Payment per month |
1.000 Points$3,200 Points Fee
|
$5,195 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
5.894% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
1.000 Points$3,200 Points Fee
|
$5,050 Total Fees$1,850 Lender Fees
|
30 Years Fixed | |
|
5.898% APR | 5.750% Rate 15 day rate lock | $1,868 Payment per month |
0.996 Points$3,187 Points Fee
|
$5,182 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
5.981% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.901 Points$2,883 Points Fee
|
$3,678 Total Fees$795 Lender Fees
|
30 Years Fixed | |
|
6.005% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.971 Points$3,107 Points Fee
|
$4,502 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.135% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.563 Points$1,802 Points Fee
|
$5,002 Total Fees$3,200 Lender Fees
|
30 Years Fixed | |
|
6.191% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.707 Points$2,262 Points Fee
|
$2,262 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.244% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.899 Points$2,877 Points Fee
|
$4,204 Total Fees$1,327 Lender Fees
|
30 Years Fixed | |
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| As low as 0% down options & down payment assistance | ||||||
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| Numbers you can trust | ||||||
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PENNYMAC |
5.965% APR | 5.875% Rate 30 day rate lock | $1,893 Payment per month |
0.973 Points$3,114 Points Fee
|
$3,114 Total Fees$0 Lender Fees
|
30 Years Fixed | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by 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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