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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: 06/23/2026)
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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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|
6.128% APR | 5.990% Rate 15 day rate lock | $1,917 Payment per month |
0.864 Points$2,765 Points Fee
|
$4,760 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.386% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.665 Points$2,128 Points Fee
|
$8,928 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.432% APR | 6.375% Rate 45 day rate lock | $1,997 Payment per month |
0.595 Points$1,904 Points Fee
|
$1,904 Total Fees$0 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 | |
|
6.440% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.684 Points$2,189 Points Fee
|
$2,189 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.481% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.681 Points$2,179 Points Fee
|
$3,574 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.856% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.616 Points$1,971 Points Fee
|
$3,466 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Discover multiple refinance options | ||||||
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| Low rates, quick quote & approval | ||||||
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PENNYMAC |
6.319% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.729 Points$2,333 Points Fee
|
$2,333 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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