Mortgage Lenders in Rhode Island
3 mortgage lenders serving Rhode Island. Compare rates, loan programs, and read verified reviews.
Pontiac, MI
The #1 wholesale mortgage lender in the US. UWM offers conventional, FHA, VA, USDA, jumbo, and non-QM loans exclusively through licensed mortgage brokers. Known for fast closings and broker-focused technology.
Detroit, MI
America's largest retail mortgage lender. Rocket offers a fully digital mortgage experience for purchase and refinance. Best for borrowers who want a streamlined online process with strong brand recognition.
Foothill Ranch, CA
One of the nation's largest non-bank mortgage lenders. loanDepot offers retail and wholesale channels with competitive rates on conventional, FHA, VA, and jumbo loans.
Finding a Mortgage in Rhode Island — FAQ
What mortgage programs are available in Rhode Island?
Rhode Island borrowers have access to conventional loans (Fannie/Freddie), FHA loans (3.5% down), VA loans (0% down for veterans), USDA rural loans, jumbo loans, and non-QM products for self-employed buyers.
What credit score do I need to buy a home in Rhode Island?
FHA loans in Rhode Island require a minimum 580 FICO (or 500 with 10% down). Conventional loans typically require 620+. For the best rates on jumbo or non-QM loans, aim for 720+.
Are there first-time homebuyer programs in Rhode Island?
Yes — many Rhode Island lenders offer state-specific down payment assistance, bond programs, and first-time buyer grants. Ask about the Rhode Island Housing Finance Agency programs when comparing lenders.
How do I compare mortgage lenders in Rhode Island?
Compare APR (not just rate), lender fees, closing timeline, and reviews. Licensed Rhode Island lenders are regulated and must be NMLS-registered. Use Lender Blackbook to compare side-by-side and contact multiple lenders.
Are you a mortgage lender in Rhode Island?
Claim your free listing on Lender Blackbook and connect with homebuyers in your market.
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