• No Closing Costs*
  • 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.

Term Rate* Points APR**
Adjustable Rate (ARM)
10/1 30 yr 3.875% 0 4.102%
5/5 30 yr 3.625% 0 4.438%
5/1 30 yr 3.500% 0 4.097%
3/3 30 yr 3.375% 0 4.654%
Smart Option
Smart Option 30 30 yr 4.500% 0 4.532%
Smart Option 15 15 yr 3.750% 0 3.815%
Fixed Rate Up to $453,100
30 yr 4.125% 2 4.334%
30 yr 4.250% 1 4.374%
30 yr 4.375% 0 4.414%
20 yr 3.750% 2 4.035%
20 yr 3.875% 1 4.043%
20 yr 4.000% 0 4.053%
15 yr 3.500% 2 3.863%
15 yr 3.625% 1 3.840%
15 yr 3.750% 0 3.817%
10 yr 3.250% 2 3.772%
10 yr 3.375% 1 3.684%
10 yr 3.500% 0 3.597%
Land Loans (Buildable Lot)
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%
Jumbo Fixed Rate up to $1,500,000
30 yr 4.375% 0 4.383%
20 yr 4.000% 0 4.011%
15 yr 3.750% 0 3.765%
10 yr 3.500% 0 3.521%
Quick Pay Fixed Rate up to $1,500,000
20 yr 3.750% 0 3.803%
11-15 yrs 3.500% 0 3.567%
8-10 yrs 3.250% 0 3.347%
1-7 yrs 3.250% 0 3.385%

Rates as of 2/9/2018 and subject to change without notice. Conditions and/or restrictions may apply.

APR for Jumbo Fixed Rate mortgages is based on a $425,000 loan with 80% loan-to-value and no prepaid interest. APRs for all other mortgages listed are based on a $100,000 loan with 80% loan-to-value and no prepaid interest.

For all Adjustable Rate Mortgages the Rate may increase after closing.

Mortgage insurance required if LTV exceeds 80%.

Repayment Examples

  • 30 yr Fixed Rate Mortgage at 4.125% (4.334% APR): 360 monthly payments of $4.85 per $1,000 borrowed
  • 5/5 Adjustable Rate Mortgage at 3.625% (4.438% APR): 360 monthly payments of $4.56 per $1,000 borrowed
  • 30 yr Jumbo Fixed Rate Mortgage at 4.375% (4.383% APR): 360 monthly payments of $4.99 per $1,000 borrowed.
  • 20 yr QuickPay Fixed Rate Mortgage at $3.750% ($3.803% APR): 240 monthly payments of $5.93 per $1,000 borrowed.
  • 10 yr QuickPay Fixed Rate Mortgage at $3.250% ($3.347% APR): 120 monthly payments of $9.77 per $1,000 borrowed.