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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: 07/27/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Veterans: Make your VA benefit work for you | View Details Sponsored
|
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|
6.356% APR | 6.250% Rate 15 day rate lock | $1,971 Payment per month |
0.505 Points$1,616 Points Fee
|
$3,611 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.375% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.750 Points$2,400 Points Fee
|
$4,250 Total Fees$1,850 Lender Fees
|
30 Years Fixed | |
|
6.512% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.843 Points$2,698 Points Fee
|
$8,898 Total Fees$6,200 Lender Fees
|
30 Years Fixed | |
|
6.593% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.661 Points$2,115 Points Fee
|
$3,351 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.596% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.566 Points$1,811 Points Fee
|
$3,206 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.632% APR | 6.500% Rate 45 day rate lock | $2,023 Payment per month |
0.750 Points$2,400 Points Fee
|
$4,395 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.711% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.892 Points$2,854 Points Fee
|
$2,854 Total Fees$0 Lender Fees
|
30 Years Fixed | |
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| America's #1 Retail Lender (Scottsman Guide) | ||||||
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| Veterans: Use your VA benefit to buy with 0% down | ||||||
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| Numbers you can trust | ||||||
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| As low as 0% down options & down payment assistance | ||||||
PENNYMAC |
6.555% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.572 Points$1,830 Points Fee
|
$1,830 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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