Rhode Island's Hometown
Mortgage Experts
We’re not just mortgage brokers – we’re your neighbors. Born and raised in Rhode Island, we understand the unique needs of our local communities from Providence to Newport.
Connect with Top RI Mortgage Brokers
Rhode Island's Hometown
Mortgage Experts
We’re not just mortgage brokers in rhode island – we’re your neighbors. Born and raised in Rhode Island, we understand the unique needs of our local communities from Providence to Newport.
Connect with Top RI Mortgage Brokers
Loan Types
Mortgage Loan Programs in RI
We offer a variety of loan programs in rhode island to meet your specific needs, whether you’re a first-time homebuyer, military veteran, or looking to refinance.
Conventional Loans
With conventional loans in 2025, those with strong credit (620+) and at least 5% down can secure attractive rates and avoid FHA mortgage insurance. Great for buyers aiming to build equity quickly and refinance strategically.
- Down payment options from 3–20%
- PMI avoidable with ≥20% equity
- Competitive rates for borrowers with 700+ credit scores
FHA Loans
FHA loans are a popular choice in 2025 thanks to low credit requirements and down payments starting at 3.5%. Ideal for first-time buyers or those rebuilding credit, these loans offer government-insured stability with flexible income and debt guidelines.
- Minimum credit score: 580 (10% down if 500–579)
- Down payment as low as 3.5%
- Gift funds allowed for down payment
- Rehab and 2–4-unit options available
VA Loans
VA loans offer 100% financing, no PMI, and low rates exclusively to veterans, active-duty personnel, and eligible spouses. In 2025, these loans remain one of the most affordable mortgage options, even with less-than-ideal credit scores.
- No down payment required
- No private mortgage insurance
- Reusable benefit after payoff or sale
Jumbo Loans
In high-value markets, jumbo loans—loans above the $766,550 conforming limit—offer personalized financing for luxury homes. These loans generally require higher credit (700+), 10–20% down, and may have slightly higher rates.
- Loan amounts above conforming limits
- Down payment: 10–20%
- Credit score minimum: 700+
USDA Loans
USDA loans continue to serve rural and mixed suburban areas in Rhode Island with 100% financing and no PMI. Designed for moderate-income households, these loans remain a strong 2025 option for rural homeownership.
- No down payment required
- Income limits up to 115% of median
- Low mortgage insurance premiums
Reverse Mortgages
For homeowners aged 62+, reverse mortgages allow access to home equity without monthly repayments. Ideal for supplementing retirement income, these loans offer financial flexibility uniquely designed for seniors.
- No monthly mortgage payment
- Funds as lump sum or monthly income
- Homeownership maintained
Guiding First-Time Home Buyers Through the Rhode Island Market
Buying your first home in the Ocean State is a major milestone. At RI Mortgage Broker, we provide the local expertise and solutions you need to move from browsing listings to holding your keys with complete confidence.
Navigating the RI Market
We help you overcome common local hurdles—like limited inventory and high median prices with fast pre-approvals and strategic offers that stand out to sellers.
Expert Personal Guidance
The loan process is complex, but you won't face it alone. We translate technical jargon into clear options, ensuring you understand every document.
Simplified Decision Making
As independent home mortgage brokers, we shop dozens of lenders for you. We filter through hundreds of programs to present only the best fits for your specific budget.
Streamlined Eligibility
We help you to guide you in finding the right eligibility options, making sure your finances align perfectly so you can secure the home loan that's best for you.
Supporting Rhode Island Communities
We’re proud to support local initiatives throughout Rhode Island. From sponsoring Little League teams to participating in beach cleanups, we’re committed to making our state an even better place to live.
Providence
Urban living & historic homes
Newport
Coastal & luxury properties
Warwick
Suburban family homes
Cranston
Growing communities
East Providence
Waterfront opportunities
South County
Beach & vacation homes
Pawtucket
Historic charm & affordability
Coventry
Lakeside retreats & affordability
Why Choose Us?
At RI Mortgage Brokers, we pride ourselves on being a trusted partner for Rhode Island homebuyers. With deep local knowledge, competitive rates, and personalized guidance, we simplify the mortgage journey. By staying ahead of market trends, we deliver solutions that fit your unique needs and increase your chances of fast and successful approval.
License & Regulated
We are fully licensed and regulated, ensuring every transaction is secure, transparent, and compliant with state and federal laws. Your trust and financial safety always come first.
Competitive Mortgage Rates
Our clients benefit from highly competitive mortgage rates tailored to their financial situation. It helps lower monthly payments, reduce long-term costs, and make homeownership more affordable.
Local market Expertise
We specialize in Rhode Island’s housing market. With insight into neighborhoods, property values, and lending trends, Rhode Island Mortgage lenders help clients make smart, confident mortgage decisions in today’s market.
Expert Guidance
From start to finish, our experts guide you through every step of the mortgage process. We answer questions, solve problems, and ensure you feel confident about your choices.
Higher Approval
We focus on increasing approval chances by carefully reviewing your application, identifying strengths, and addressing weak points. This proactive approach gives you an edge with brokers.
Fast Application Process
Mortgage Brokers in Rhode Island streamlined application process reduces delays. With digital tools and expert support, we process applications quickly, making sure you move into your new home without unnecessary stress.
2,500+
Local Buyers Served
99.99%
Client Satisfaction
4.9★
Average Review
24/5
Personalized Support
Local Expertise
Why Choose RI Mortgage Brokers as Your Local Home Loan Partner?
We combine deep knowledge of Rhode Island’s housing market with personalized service that only a local broker can provide.
True Local Knowledge
We live where you live. Our team knows every neighborhood, school district, and hidden gem in Rhode Island to help you make informed decisions.
Community-Focused Rates
Our relationships with local and national lenders allow us to secure competitive rates specifically tailored to Rhode Island homebuyers.
Face-to-Face Service
We're not an online-only lender. Meet with us in person at our Rhode Island office or we'll come to you – wherever is most convenient.
Testimonials
What Our Rhode Island Neighbors Say
Real stories from real Rhode Islanders who found their perfect mortgage solution with us.
Ready to Work with Your Local Mortgage Experts?
Take the first step toward your Rhode Island home ownership goals. Contact us today for a free, no-obligation consultation with a local Rhode Island Housing Mortgage expert.
Connect with Top RI Mortgage Brokers
Local Resources
Rhode Island Homebuyer Resources
Helpful information about buying a home in Rhode Island’s unique real estate market.
First-Time Home Buyer Guide
Everything you need to know about buying your first home in Rhode Island, including local programs and incentives.
Mortgage Calculator
Calculate your potential mortgage payments based on current Rhode Island interest rates and property taxes.
RI Housing Blog
Stay updated on Rhode Island real estate trends, mortgage news, and Rhode Island Housing Mortgage insights.
