Buy • Build • Refi

  • 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.

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Fixed Rate

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

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For loans over $484,350. 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 terms and conditions apply. No Closing Cost offer available only on 30 Year Fixed Fate Special 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). 100% financing offer only applicable to first time homebuyer loans; all borrowers must be a first time homebuyer to qualify. Equal Housing Lender.