• No junk fees
  • Local decision making & servicing
  • Purchase, refi, construction, rehab

Please call 401-729-4060 for First Time Homebuyer and Purchase Mortgage Special products and rates.

FHA Loans

Term Rate Points APR
30 yr

Call for today's rates.
401-729-4060

15 yr

Adjustable Rate (ARM)

Product Term Rate Points APR
10/1 30 yr 3.375% 0 3.193%
5/5 30 yr 3.250% 0 3.067%
5/1 30 yr 3.125% 0 2.940%
3/3 30 yr 3.125% 0 3.089%

Fixed Rate up to $510,400

Term Rate Points APR
30 yr 3.000% 2 3.222%
30 yr 3.125% 1 3.268%
30 yr 3.250% 0 3.313%
20 yr 3.000% 2 3.315%
20 yr 3.125% 1 3.327%
20 yr 3.250% 0 3.339%
15 yr 2.875% 2 3.280%
15 yr 3.000% 1 3.259%
15 yr 3.125% 0 3.239%
10 yr 2.750% 2 3.339%
10 yr 2.875% 1 3.251%
10 yr 3.000% 0 3.165%

Jumbo Fixed Rate

Term Rate Points APR
30 yr

Call for today's rates.
401-729-4060

20 yr
15 yr
10 yr

Jumbo Adjustable Rate (ARM)

Product Term Rate Points APR
10/1 Jumbo 30 yr 3.125% 0 2.996%
5/5 Jumbo 30 yr 3.125% 0 2.981%
5/1 Jumbo 30 yr 3.000% 0 2.855%
3/3 Jumbo 30 yr 3.000% 0 3.020%

Quick Pay Fixed Rate

Term Rate Points APR
20 yr 3.125% 0 3.213%
11-15 yrs 3.125% 0 3.239%
8-10 yrs 3.000% 0 3.165%
1-7 yrs 2.875% 0 3.104%

Land Loans (Buildable Lot)

Product Term Rate Points APR
1/1 30 yr 3.750% 0 3.766%
5/1 30 yr 4.250% 0 4.267%
10/1 30 yr 4.875% 0 4.892%

Rates as of 6/30/2020 and subject to change without notice. Conditions and/or restrictions may apply.

Rates do not take into consideration possible adjustments based on applicant's credit score, loan-to-value, combined loan-to-value, subordinate financing, occupancy, appraised value, down payment, property type, property use and loan purpose.

Rate may increase for all adjustable mortgages after closing.

Mortgage insurance required if loan to value exceeds 80%.

Repayment Examples

  • 30 yr Fixed Rate Mortgage at 3.250% (3.313% APR): 360 monthly payments of $4.42 per $1,000 borrowed
  • 5/5 Adjustable Rate Mortgage at 3.250% (3.067% APR): 360 monthly payments of $4.35 per $1,000 borrowed
  • 10/1 Adjustable Rate Jumbo Mortgage at 3.125% (2.996% APR): 360 monthly payments of $4.28 per $1,000 borrowed.
  • 20 yr Quick Pay Fixed Rate Mortgage at 3.125% (3.213% APR): 240 monthly payments of $5.61 per $1,000 borrowed.
  • 1/1 Adjustable Rate Land Loan at 3.750% (3.766% APR): 360 monthly payments of $4.63 per $1,000 borrowed.