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: 03/13/2026)
Lender
APR
Rate
Payment
Points
Fees
Loan Type
 Contact details
5.855% APR 5.750% Rate 30 day rate lock $1,868 Payment per month
0.863 Points$2,762 Points Fee
$3,662 Total Fees$900 Lender Fees
 7 Years ARM
6.327% APR 6.250% Rate 30 day rate lock $1,971 Payment per month
0.813 Points$2,602 Points Fee
$2,602 Total Fees$0 Lender Fees
 7 Years ARM
Low rates, quick quote & approval
Your home's value could help you save.
Refi from your sofa. It’s surprisingly simple.
America's #1 Retail Lender (Scottsman Guide)
Refinance to lower your rate
Discover multiple refinance options
5.462% APR 5.375% Rate 30 day rate lock $1,792 Payment per month
0.969 Points$3,101 Points Fee
$3,101 Total Fees$0 Lender Fees
 7 Years ARM
Updating Rates...
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.
Family moving in

Rhode Island Cities Resource

Choose your city below to view local mortgage lenders in your area: