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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: 06/08/2026)
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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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|
6.276% APR | 6.124% Rate 15 day rate lock | $1,945 Payment per month |
0.999 Points$3,197 Points Fee
|
$5,192 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.404% APR | 6.125% Rate 30 day rate lock | $1,945 Payment per month |
0.861 Points$2,755 Points Fee
|
$9,555 Total Fees$6,800 Lender Fees
|
30 Years Fixed | |
|
6.436% APR | 6.375% Rate 45 day rate lock | $1,997 Payment per month |
0.646 Points$2,067 Points Fee
|
$2,067 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.464% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.938 Points$3,002 Points Fee
|
$3,002 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.487% APR | 6.375% Rate 30 day rate lock | $1,997 Payment per month |
0.738 Points$2,362 Points Fee
|
$3,757 Total Fees$1,395 Lender Fees
|
30 Years Fixed | |
|
6.518% APR | 6.375% Rate 45 day rate lock | $1,997 Payment per month |
0.875 Points$2,800 Points Fee
|
$4,795 Total Fees$1,995 Lender Fees
|
30 Years Fixed | |
|
6.597% APR | 6.500% Rate 30 day rate lock | $2,023 Payment per month |
0.543 Points$1,738 Points Fee
|
$3,232 Total Fees$1,494 Lender Fees
|
30 Years Fixed | |
|
6.864% APR | 6.750% Rate 30 day rate lock | $2,076 Payment per month |
0.703 Points$2,250 Points Fee
|
$3,745 Total Fees$1,495 Lender Fees
|
30 Years Fixed | |
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| Proud to help you find the home loan of your future | ||||||
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| Refi from your sofa. It’s surprisingly simple. | ||||||
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| Refinance to lower your rate | ||||||
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| Low rates, quick quote & approval | ||||||
PENNYMAC |
6.341% APR | 6.250% Rate 30 day rate lock | $1,971 Payment per month |
0.957 Points$3,062 Points Fee
|
$3,062 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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