Loan Center Mortgage Rates
The RIHousing Loan Center offers mortgages for first-time homebuyers, or current RIHousing mortgage holders who are looking to refinance their existing mortgage.
RIHousing offers loan options designed to fit the needs of homebuyers and homeowners. All posted rates are for 20* or 30-year terms with zero points. (Borrower may elect to pay points in order to obtain a lower corresponding rate).
Income limits: Loan Center
1 or 2 person household: $137,160
3 or more in the household: $160,020
Maximum Loan Amount
Conventional: $806,500
Government-Insured (FHA, VA, USDA): $736,000
Maximum Acquisition Cost
$848,989
| as of July 1, 2025 @ 10:00 a.m. | Rate | APR |
|---|---|---|
|
First Mortgage Loan Programs
|
||
|
FHA,VA,RD Purchase Mortgage
|
6.375% | 7.174% |
|
FHA 203(k) Purchase Rehab Mortgage
|
7.625% | 8.587% |
|
FHA Refinance Mortgage
(Streamline, Cash-out, Rate and Term)
|
7.375% | 8.195% |
|
Conventional Purchase/Refinance Mortgage**
|
7.000% | 7.563% |
*20 year terms are for conventional programs only.
**Higher interest rates and/or points may apply in
transactions where borrower(s) exceed 80% of Fannie Mae’s Area Median Income.
Rates are subject to change without prior notice.
TAKE THE NEXT STEP
Contact the RIHousing Loan Center or Participating Lender to explore your options and determine which loan best fits your needs.
