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Rhode Island Mortgage Rates and Refinance Rates: HSH Lender Showcase

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Mortgage Refinance rates in Rhode Island

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4.625% Rate

30 Yr. Fixed

4.799% APR

$771 / month (est)

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Updated 12/10/2018

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5.750% Rate

30 Yr. Fixed

5.841% APR

$907 / month (est)

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Updated 12/11/2018

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5.375% Rate

30 Yr. Fixed

5.531% APR

$871 / month (est)

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Updated 12/11/2018

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Rhode Island Mortgages

Consider HSH.com a one-stop-shopping source for all your mortgage needs in Rhode Island.

With information on current RI mortgage rates, a list of lenders qualified to do business in the state, and tools like mortgage calculators, HSH.com can help you:

  • Find out how much house you can afford. With the state's easy access to the coastline and major metropolitan areas, Rhode Island real estate is often at a premium. Finding the best Rhode Island mortgage rates on HSH.com can make a home purchase more affordable.
  • Access home equity. A home equity loan can be the best way to finance long-term projects like home repairs or capital improvements, saving you money over the long term.
  • Refinance. Use an HSH.com mortgage calculators to see if today's RI mortgage rates could save you interest payments over the life of your loan.

Rhode Island Conventional Mortgage

A conventional mortgage loan is generally a loan made using private mortgage money and not backed by a government entity, such as FHA, VA or USDA. Conventional mortgages are available in fixed rate and adjustable rate varieties and with a wide range of terms. A conventional loan that meets a number of specific criteria can be sold to Fannie Mae or Freddie Mac and is known as conventional conforming mortgage.

For Rhode Island, the conventional loan limit is at $453,100 for all counties.

2018 Conventional loan limits for Rhode Island

County NameOne-FamilyTwo-FamilyThree-FamilyFour-Family
Bristol$453,100$580,150$701,250$871,450
Kent$453,100$580,150$701,250$871,450
Newport$453,100$580,150$701,250$871,450
Providence$453,100$580,150$701,250$871,450
Washington$453,100$580,150$701,250$871,450