Managing your mortgage shouldn’t feel complicated. Whether you need to make a payment, update your account, explore refinance options, or get support during a financial hardship, RIHousing provides the tools and guid.
If you are having trouble paying your mortgage, reach out to our Mortgage Counseling department to discuss available options.
Did you know?
Opting in for biweekly payment options could help you pay down your mortgage faster and incur less interest.
Worried about missing a mortgage payment? Our Automatic Payment option ensures your mortgage is paid on time every month. Complete the application form to enroll >
No fee charged for automatic recurring monthly payments scheduled on the 1st or 5th of each calendar month. For one-time payments, select payment date(s).
Pay your mortgage via our Digital Servicing portal.
No fee charged for payments made between 1st and 10th day from due date, during normal business hours: Monday through Friday until 5:00 PM EST. $5 fee charged for payments on or after the 11th day.
No fee charged for payments made between 1st and 10th day from due date, during normal business hours: Monday through Friday until 5:00 PM EST. $5 fee charged for payments on or after the 11th day.
Customer Service Supported Pay by Phone
$10 fee charged for payments made between 1st and 10th day from due date, $15 fee charged for payments on or after 11th day.
***Credit card and/or debit card payments are not accepted
Personal checks, cashier’s checks, and/or money orders only. Send payments to:
RIHousing, P.O. BOX 113,
Providence, RI 02901-0113
Remember to include your payment coupon.
Deliver your payment to our drop box located at:
RIHousing, 44 Washington Street Providence, RI 02903
Remember to include your payment coupon.
Note: The fee structure does not contain all fees that may be charged for services rendered. Fee structure subject to change.
Consider going paperless to reduce your environmental impact, reduce clutter at home, and get increased security and peace of mind. To stop your paper statements, please “opt in” to paperless statements through our online system or email us at servicinginfo@rihousing.com.
Monday-Friday
8:30 a.m. – 5:00 p.m.
You’ve unpacked the boxes and settled into your new home, now what?
Buying a home is a major achievement, but successful homeownership does not begin and end when the closing documents are signed.
A 1098 Form shows the amount of mortgage interest paid and any homeowners insurance and real estate taxes paid through your escrow account. You’ll receive a 1098 Form from RIHousing for each year that we service your loan. Please remember to save this statement as you may need it for tax purposes.1098 forms are mailed annually prior to January 31st.
Please let us know if you are a servicemember on “active duty” or “active service,” or the spouse, partner, or dependent of such a service member. You may be entitled to certain legal protections or relief pursuant to the Servicemembers Civil Relief Act.
Our online financial education center is free for RIHousing mortgage customers and offers important information to help families stay on track with their budget, tips on how to save for your future goals and needs and managing your credit cards and debt. The online financial education provides short, easy to digest information and is self-paced.
An automatic payment is a helpful tool for bills that remain constant each month like a mortgage payment, car loan or student loan. Also known as an “automatic draft,” it is a preauthorized debit from your designated bank account to pay a loan payment. RIHousing offers two kinds of auto drafts:
The monthly Automatic Clearing Housing (ACH) draft is offered free of charge and the payment is drafted from your designated account on either the 1st or 5th of each calendar month. The one-time ACH draft allows customers to select the day they wish to make their payment. This option can be accessed through this website for a nominal fee.
If you are interested in either option, contact our Customer Service Department at 844-694-5193 for more details.
Yes, you may request to cancel biweekly payments via email to servicinginfo@rihousing.com. Please include your loan number, full name, and a brief note requesting to stop the biweekly draft. The biweekly cannot be cancelled in the middle of a monthly payment cycle and will stop effective with the next biweekly payment cycle. You will receive a letter to confirm that the draft has been cancelled.
We apply a portion of your monthly mortgage payment to your property taxes and homeowners’ insurance and, if applicable, mortgage insurance. This portion is placed into an escrow account until the tax and insurance payments are due.
To determine your escrow payments, we estimate the amount we will have to pay over the next 12 months for your real estate tax and homeowners insurance bills. We base this estimate on information from your loan closing documents, your taxing authority and insurance company, or your previous tax and insurance bills. We then divide the estimated amount by 12 (months) and add the result to your monthly payment.
It may if your taxes and insurance premiums change. On an annual basis we conduct an escrow analysis where we compare the initial escrow amount estimated by the lender to the actual amount paid in taxes to your city or town and premiums to your insurance company. If there is a difference, we will adjust your monthly escrow payment.
If your monthly mortgage payment amount changes due to an escrow adjustment, the new monthly mortgage payment amount will go into effect with the payment two months after the analysis has been completed. Once a year, we will mail you a statement summarizing this analysis.
If you have paid more into your escrow account than we had to pay out of it, you will have an escrow surplus. If your surplus amount is more than two months’ worth of escrow payments, we will send you a refund check for the surplus. Additionally, your monthly escrow payment amount will be adjusted to reflect the actual amount paid.
If you have paid less into your escrow account than we had to pay out of it, you will have an escrow shortage. We will adjust your monthly escrow payment amount to reflect the actual amount paid. If your account is short, we will let you spread the additional payments over the next 12 months.
We conduct an escrow analysis annually to make sure we’re collecting the right amount to cover your projected taxes and insurance premiums. If these payments increase or decrease, we’ll recalculate your escrow payment. This is separate from the calculation to determine whether you have a shortage or surplus, so your payment amount could increase even if you pay your shortage in full.
RIHousing does not allow the deletion of customer escrow accounts.
Any changes to your escrow payment amount will appear on the annual escrow account disclosure statement you receive each time we review your account. You can also find out more by logging into your mortgage account via our RIHousing Digital Servicing portal.
The homeowner insurance policy for all mortgage types must reflect a maximum deductible not to exceed the greater of 1% of the loan amount or $2,500. Deductibles for coverage of (in whole or in part) windstorm, hurricane or hail damage must be no greater than 5% of the face amount of the policy. Homeowner insurance coverage must be equal to the mortgage loan balance or include 100% replacement coverage.
The annual premium is included in the escrow portion of your monthly payment. If you receive a bill at renewal, please send a copy to us via email to servicinginfo@rihousing.com. Once the bill is received, we will pay the insurance from your escrow account.
Rhode Island Housing
ISAOA/ATIMA
PO Box 2076
Carmel, IN 46082
It is important you make your insurance company aware that RIHousing now services your mortgage loan and request they update the mortgagee clause and fax evidence of the updated mortgagee clause to 844-267-3811. The insurance company may also email the evidence to servicinginfo@rihousing.com.
You can change your insurance company at any time. The new company will need to verify proof of insurance to us and send us a bill. They may fax it to us at 844-694-5191 or mail it to:
RIHousing
P O Box 2076
Carmel, IN 46082-2076
To ensure that you are refunded any money that is owed to you, you must cancel your insurance with the old company and have them send a refund of your pro-rated premium amount to us, at the address above, to be applied to your escrow account.
Please note: If it is close to your renewal date when you choose to change insurance companies, please contact us so that we do not mail a payment to your old insurance company.
It is a requirement of your mortgage that each homeowner deposits an amount adequate to cover the quarterly or annual payment in an escrow account. Once the taxes are due the payments are disbursed by RI Housing to the appropriate municipality.
We automatically receive an electronic copy of your real estate tax bill directly from your city or town. If you receive your property tax bill directly from your city or town, please save it for your records. If you have any questions regarding the amount of your real estate tax bill, contact your city or town’s tax assessor’s office.
We include your property tax in the escrow portion of your monthly mortgage payment. To calculate this portion of your monthly payment, we divide the total amount paid in taxes for the previous tax year by 12 and add this to your monthly payment.
You will need to enroll in Digital Banking to access your mortgage online. You can do so by clicking the “Account Access” button and following the prompts to set up your credentials for the site.
Existing customers who utilized the Customer CareNet site will need to:
Click on the “Forgot my password” link and follow the instructions to reset your username or password.
No, all current auto-pay enrollments will transfer over to the digital mortgage platform. If you wish to make any edits to your current enrollment, you’ll also can do that within the platform.
Please email servicinginfo@rihousing.com if you have any questions about the digital platform.
The first step in selling or refinancing your home is to request a payoff statement, which will detail the total amount due on the mortgage. If you received a down payment assistance loan, you would need to request a payoff statement for that loan as well. Please note: In most cases the mortgage lender or attorney that you are working with will request these documents and will not accept these documents directly from a borrower.
When you contact us, please include the following information:
Fax the request to 844-694-5191 or email it to servicinginfo@rihousing.com.
You may obtain a loan payoff by contacting our Customer Service Department via email at servicinginfo@rihousing.com. In the email, please include your name, account number, property address, and the date you would like the payoff good until. Every effort will be made to provide you a loan payoff within 48 hours of your request. Third party payoff requests must be made in writing, contain borrower’s written authorization, and should be sent via email to servicinginfo@rihousing.com. Third party requests may also be submitted by fax to 844-694-5191. There may be a nominal fee charged for a facsimile payoff. We do not provide verbal payoff quotes.
Please ensure that you notify us of your new mailing address to ensure that you receive any refund checks you may be entitled to and your 1098 tax forms. If any escrow funds are to be rebated, you will receive the check approximately 20 days from the date of payoff. You will receive a copy of the discharge of your mortgage and your paid in full note approximately 45 days from the date of payoff.
Please contact us and provide us with a copy of the death certificate and probate document appointing an executor or executrix for the estate. These documents can be sent via email to servicinginfo@rihousing.com.
Check whether your current residence is located within an eligible census tract.
Only residents of census tract 405 are eligible for the FirstGenHomeRI pilot program.
The map on the left shows the approximated eligible region.
Unsure if your address is part of the eligible region?
Type in your address below to find out (Include street #, street name, Newport, RI).
Check whether your current residence is located within an eligible census tract for application prioritization.
Applications from residents who live in the census tract listed below are prioritized.
| Central Falls | 44007010900, 44007010800, 44007011100, 44007011000 |
| Pawtucket | 44007016000, 44007015300, 44007015100, 44007015200, 44007015500, 44007016600, 44007016700, 44007017000, 44007017100, 44007016100, 44007016400 |
| Newport | 44005040500, 44005041100 |
| East Providence | 44007010100, 44007010501 |
Type in your address below to learn if you are in the targeted area. (Include street #, street name, city, RI).
