Buy • Build • Refi

  • No Closing Costs1
  • No “junk” fees
  • Local decision-making and servicing
  • Purchase, refinance, construction, rehab

FHA Loans

Call 401-729-4060 to learn more about today’s rates and program details.

Adjustable Rate

Qualify for more mortgage. Lower initial rates fixed for 3, 5 or 10 years.

Apply NOW!Rates & Terms

Fixed Rate

Low fixed rate for the life of the loan. No point plans available.

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For loans over $453,100. Available in fixed and adjustable rates.

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Quick Pay

Pay off your loan fast with a great low rate. Second homes & condos ok*.

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Smart Option*

Bi-weekly payment reduces the term of your loan and provides significant finance charge savings with faster equity build-up.

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Land Loans

Multiple programs available. 30 Year Amortization. Free Rate Lock.

Rates & Terms


One closing with low closing costs. Interest rate lock-in at closing. Up to 90% Loan-To-Value (LTV)*. Interest only payments for up to 11 months. Several term and rate options available. Please contact one of our mortgage advisors at 401-729-4060 for a loan customized to your needs.

*Restrictions may apply.

1PCU’s regular mortgage terms and conditions apply. Minimum loan term is 15 years. No Closing Costs offer not available on QuickPay, construction, Jumbo 30 yr. fixed rate or land loans. If applicable, borrower must pay certain costs (e.g. prepaid interest, initial escrow deposit, PMI). Attorney’s closing fees capped at $900 (typically $600-$700). Equal Housing Lender.