Who you'll work with
Ibex isn't licensed in Rhode Island, so we don't make loans here. When you request a quote for a Rhode Island property, we refer you to an independent mortgage lender licensed in Rhode Island. That lender sets your rate and terms and handles your loan. We may receive a referral fee, which doesn't change what you pay.
| Ibex licensed here | No. You'll work with a licensed partner lender. |
|---|---|
| Loan types | Conventional, FHA, VA, USDA, jumbo, 203(k), DSCR |
| Free housing counseling | HUD: 800-569-4287 |
Buying a home in Rhode Island
Get pre-qualified before you shop so you know your price range and can make a strong offer. First-time buyers in Rhode Island can often combine an FHA or conventional loan with state or local down payment assistance. Veterans should look at VA loans, and buyers outside major metro areas may qualify for USDA zero-down financing.
Refinancing in Rhode Island
A refinance can lower your payment, remove mortgage insurance or turn equity into cash. Compare closing costs with your monthly savings to see how long it takes to break even.
Investing in Rhode Island rentals
DSCR loans let investors qualify on a property's rent instead of personal income.
Rhode Island questions
What home loans are available in Rhode Island?
Conventional, FHA, VA, USDA (in eligible areas), jumbo, renovation and investor DSCR loans are all used in Rhode Island. Which one fits depends on your credit, down payment and the property.
Is there down payment assistance in Rhode Island?
Rhode Island's housing finance agency and many local governments offer down payment and closing cost help for qualifying buyers. Programs open and close often, so ask when you apply.
What if I'm behind on my mortgage in Rhode Island?
Contact your servicer right away and ask about a loan modification or forbearance. Free HUD-approved housing counselors serve Rhode Island at 800-569-4287. See our guide for homeowners behind on payments.