Refinance or Move Up with RIHousing

Explore affordable refinance and move-up loan options for Rhode Island homeowners.

Already a homeowner?

We’re not just the home of the first-time homebuyer. We also offer Move Up and refinancing options through our network of Participating Lenders and RIHousing’s Loan Center.

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Move Up Loans

Looking to sell your home and buy a new one?

Move Up Loans offer:

  • Up to 97% financing (3% down payment required)
  • Conventional FHA, RD and VA loans are available

Contact a Participating Lender to learn more

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Refinance Loans

Looking to save money and lower your monthly mortgage payment? Refinance Loans offer:

  • Up to 97% financing
  • 100% personal, local service for the life of the loan

Contact a Participating Lender or RIHousing’s Loan Center to learn more.

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FHA 203(k) Rehab Refinance Loans

Looking to make improvements on your home? We offer FHA 203(k) Rehab refinance mortgage programs for you to make necessary repairs and improvements on your house.

  • Combine both mortgage and home renovation costs into a single loan
  • Finance repairs and rehabilitation efforts, including an attached or interior ADUs

Contact a Participating Lender or RIHousing’s Loan Center to learn more.

Are you a Newport resident?

Check whether your current residence is located within an eligible census tract.

Newport-Census-Map

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).

Data mapped by PolicyMap, an online GIS mapping tool.

Do you live in Central Falls, Pawtucket, Newport or East Providence?

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).