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Browse mortgage lenders serving Lincoln, RI. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Lincoln, RI
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the RI before hiring.
Showing 2 mortgage lenders in Lincoln, RI
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
Guild Mortgage Company
14 Breakneck Hill Road ll1 & #ll3, 14 Breakneck Hill Rd, Lincoln, RI 02865
4012144715
Guild Mortgage - Michael Pacheco
14 Breakneck Hill Road #ll1 & #ll3, Lincoln, RI 02865
4013181072
A mortgage lender in Lincoln, RI helps you secure a home loan to buy or refinance property. Rhode Island law requires lenders to provide a Good Faith Estimate of closing costs within three business days of application. Local lenders understand the specific housing market in Providence County and can guide you through the process.
What Does a Mortgage Lender in Lincoln Cost?
Typical costs for a mortgage lender in Rhode Island include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title search fees of $200 to $400. Closing costs in RI generally range from 2% to 5% of the purchase price. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Lincoln RI?
You typically need pay stubs, tax returns, bank statements, and photo ID. Rhode Island lenders also require proof of homeowners insurance before closing.
How long does the mortgage process take in Rhode Island?
The process usually takes 30 to 45 days from application to closing. Rhode Island law allows a three day right of rescission for refinances on your primary home.
Are there first time home buyer programs in Rhode Island?
Yes, Rhode Island Housing offers down payment assistance and low interest loans for first time buyers. These programs have income limits and require a homebuyer education course.
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BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the RI.