Refinance loans | Rhode Island Housing Loans
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Refinance loans

Looking to refinance your home loan?

Exploring refinance options? RIHousing’s refinance loans may be able to help qualified borrowers save money and lower their monthly mortgage payments.

Our refinance loans offer:

  • Up to 97% financing
  • No Mortgage Insurance required for qualified borrowers (resulting in lower monthly payments)
  • 100% personal, local service and support for the life of the loan

Refinance loans are available through our network of Participating Lenders. 

97% financing
RIHousing’s refinance loans provide up to 97% financing on the appraised value of your home. This flexibility can help many Rhode Islanders who otherwise might not qualify.

No mortgage insurance
Some qualified borrowers will not be required to have mortgage insurance for their refinance loan. This results in lower monthly costs and overall savings to the homeowner.

Personal service
Being a RIHousing borrower means you’ll receive support for the life of your loan. We’ll service your loan and provide free counseling throughout the entire process.

Loan Amount
RIHousing lends up to $454,250 for a one- to four-family home or eligible condominium.


Contact a Participating Lender
To learn more about our refinance loan options, contact one of our Participating Lenders today.