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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: 07/27/2026)
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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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|
6.356% 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 | |
|
6.483% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.850 Points$2,720 Points Fee
|
$3,620 Total Fees$900 Lender Fees
|
30 Years Fixed | |
|
6.610% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.716 Points$2,291 Points Fee
|
$3,686 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.617% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.911 Points$2,915 Points Fee
|
$4,151 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.634% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.608 Points$1,946 Points Fee
|
$8,746 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.655% APR | 6.500% Rate 45 day rate lock | $2,023 Payment per month |
1.000 Points$3,200 Points Fee
|
$5,195 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.692% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.688 Points$2,202 Points Fee
|
$2,202 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.844% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.967 Points$3,094 Points Fee
|
$3,094 Total Fees$0 Lender Fees
|
30 Years Fixed | |
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PENNYMAC |
6.579% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.822 Points$2,630 Points Fee
|
$2,630 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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