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Interest Rates

When buying a home it is important to know what you are getting into. RIHousing offers mortgages for first-time homebuyers as well as current homeowners who are looking to sell their existing home and buy a new one, or refinance their existing mortgage. All rates are subject to change without prior notice.

RIHousing offers a suite of loan options specifically designed to fit the needs of homebuyers and homeowners. All posted rates are for 30-year terms with zero points. Higher points are available with lower corresponding rates. Rates are subject to change without prior notice.

Income limits:  Loan Center                                                 
                     1 or 2 person household: $93,623                    
                     3 or more in the household: $107,667                
Maximum acquisition cost: $441,176                                   

as of November 14, 2018 @ 10:00 a.m. Rate APR
Loans for Homebuyers
*FHA,VA,RD Purchase Mortgage
5.250% 6.836%
*FHA 203(k) Purchase Rehab Mortgage
5.500% 7.131%
Conventional Purchase Mortgage with 20% Down
5.625% 5.686%
Conventional Purchase with Mortgage Insurance
5.625% 6.114%
No Mortgage Insurance Conventional Purchase
6.375% 6.439%
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Loans with Extra Assistance for First-time Homebuyers
*FirstHomes100 - FHA,VA,RD Purchase Mortgage
5.250% 6.836%
*FirstHomes100 + FHA 203(k) Purchase Rehab
5.500% 7.131%
FirstHomes100 - Conventional Purchase with Mortgage Insurance
5.625% 6.114%
FirstHomes100 - No Mortgage Insurance Purchase
6.375% 6.439%

TAKE THE NEXT STEP

Contact a Mortgage Originator or Participating Lender
Contact a Mortgage Originator or Participating Lender to explore your options and determine which loan best fits your needs.
CONTACT THE RIHOUSING LOAN CENTER 
FIND A PARTICIPATING LENDER