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Home Refinance Loan Ratesin Rhode Island
Looking to refinance your existing mortgage loan? 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 refinance loan to ensure you get the best rate and pricing.
(Last Updated: 05/13/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Lower your monthly mortgage payment with a streamlined refinance | View Details Sponsored
|
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|
6.100% APR | 5.990% Rate 15 day rate lock | $1,917 Payment per month |
0.565 Points$1,808 Points Fee
|
$3,803 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.235% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.739 Points$2,365 Points Fee
|
$3,760 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.287% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.972 Points$3,110 Points Fee
|
$9,910 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.310% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.350 Points$1,120 Points Fee
|
$2,020 Total Fees$900 Lender Fees
|
30 Years Fixed | |
|
6.341% APR | 6.250% Rate 45 day rate lock | $1,971 Payment per month |
0.958 Points$3,066 Points Fee
|
$3,066 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.352% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.767 Points$2,454 Points Fee
|
$3,690 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.359% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.844 Points$2,701 Points Fee
|
$3,696 Total Fees$995 Lender Fees
|
30 Years Fixed | |
|
6.391% APR | 6.250% Rate 45 day rate lock | $1,971 Payment per month |
0.875 Points$2,800 Points Fee
|
$4,795 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.440% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.688 Points$2,202 Points Fee
|
$2,202 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.456% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.856 Points$2,739 Points Fee
|
$2,739 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.473% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.569 Points$1,821 Points Fee
|
$3,315 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
|
6.717% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.953 Points$3,050 Points Fee
|
$3,050 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.743% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.759 Points$2,429 Points Fee
|
$3,924 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Low rates, quick quote & approval | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Refinance to lower your rate | ||||||
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| Discover multiple refinance options | ||||||
PENNYMAC |
6.289% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.414 Points$1,325 Points Fee
|
$1,325 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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