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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: 09/10/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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|
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|
6.491% APR | 6.375% Rate 15 day rate lock | $1,997 Payment per month |
0.592 Points$1,894 Points Fee
|
$3,889 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.734% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.850 Points$2,720 Points Fee
|
$3,620 Total Fees$900 Lender Fees
|
30 Years Fixed | |
|
6.739% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.937 Points$2,998 Points Fee
|
$3,793 Total Fees$795 Lender Fees
|
30 Years Fixed | |
|
6.825% APR | 6.750% Rate 45 day rate lock | $2,076 Payment per month |
0.767 Points$2,454 Points Fee
|
$2,454 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.840% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.615 Points$1,968 Points Fee
|
$3,204 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.871% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.813 Points$2,602 Points Fee
|
$3,997 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.896% APR | 6.625% Rate 30 day rate lock | $2,049 Payment per month |
0.687 Points$2,198 Points Fee
|
$8,998 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.896% APR | 6.750% Rate 45 day rate lock | $2,076 Payment per month |
0.875 Points$2,800 Points Fee
|
$4,795 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.918% APR | 6.875% Rate 30 day rate lock | $2,103 Payment per month |
0.438 Points$1,402 Points Fee
|
$1,402 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.961% APR | 6.875% Rate 30 day rate lock | $2,103 Payment per month |
0.875 Points$2,800 Points Fee
|
$2,800 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.985% APR | 6.875% Rate 30 day rate lock | $2,103 Payment per month |
0.655 Points$2,096 Points Fee
|
$3,590 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
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| Discover multiple refinance options | ||||||
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| Refinance to lower your rate | ||||||
PENNYMAC |
6.795% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.464 Points$1,485 Points Fee
|
$1,485 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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