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Compare Mortgage Refinance Companies in South Kingstown, RI
Directory of mortgage refinance companies in South Kingstown, Rhode Island. Verify credentials with the state state mortgage licensing authority before hiring.
7 agents listed
Updated June 2026
South Kingstown, 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 State Mortgage Licensing Authority of Rhode Island before hiring.
Showing 7 mortgage refinance companies in South Kingstown, 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.
Mortgage refinance companies in South Kingstown Rhode Island help homeowners lower their interest rates or change loan terms. Rhode Island law requires lenders to provide a Good Faith Estimate within three business days of application. Local companies understand the South Kingstown real estate market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in South Kingstown Cost?
Typical costs for a mortgage refinance in Rhode Island range from 2% to 5% of the loan amount. This includes lender fees, appraisal fees (usually $400 to $700), title search and insurance ($500 to $1,000), and recording fees. In South Kingstown, city recording fees add about $50 to $100. Costs vary by loan size and lender. 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 for a mortgage refinance in South Kingstown Rhode Island?
You typically need recent pay stubs, tax returns, bank statements, and proof of homeowners insurance. Rhode Island lenders may also require a property appraisal to confirm the home value.
How long does a mortgage refinance take in Rhode Island?
A standard refinance in Rhode Island usually takes 30 to 45 days from application to closing. Delays can occur if additional documents are needed or if the property appraisal takes longer.
Are there Rhode Island specific laws about refinance closing costs?
Rhode Island does not cap refinance closing costs, but lenders must disclose all fees in the Loan Estimate. You have the right to review these costs before signing. Some cities like South Kingstown have local transfer taxes that may apply.
Mortgage Refinance Companies in Other Rhode Island Cities
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About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state 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 State Mortgage Licensing Authority of Rhode Island.