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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: 07/07/2026)
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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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|
6.101% APR | 5.990% Rate 15 day rate lock | $1,917 Payment per month |
0.575 Points$1,840 Points Fee
|
$3,835 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.286% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.967 Points$3,094 Points Fee
|
$9,894 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.321% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.475 Points$1,520 Points Fee
|
$2,420 Total Fees$900 Lender Fees
|
30 Years Fixed | |
|
6.332% APR | 6.250% Rate 45 day rate lock | $1,971 Payment per month |
0.867 Points$2,774 Points Fee
|
$2,774 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.341% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.960 Points$3,072 Points Fee
|
$3,072 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.350% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.746 Points$2,387 Points Fee
|
$3,623 Total Fees$1,236 Lender Fees
|
30 Years Fixed | |
|
6.370% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.829 Points$2,653 Points Fee
|
$4,048 Total Fees$1,395 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 | |
|
6.429% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.563 Points$1,802 Points Fee
|
$1,802 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.477% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.603 Points$1,930 Points Fee
|
$3,424 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
|
6.561% APR | 6.490% Rate 30 day rate lock | $2,021 Payment per month |
0.736 Points$2,355 Points Fee
|
$2,355 Total Fees$0 Lender Fees
|
30 Years Fixed | |
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| A smarter way to get cash from your home | ||||||
ADVERTISEMENT
| Refinance to lower your rate | ||||||
ADVERTISEMENT
| Discover multiple refinance options | ||||||
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| Proud to help you find the home loan of your future | ||||||
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| Low rates, quick quote & approval | ||||||
PENNYMAC |
6.298% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.503 Points$1,610 Points Fee
|
$1,610 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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