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Home Equity Loan Specialists in Lincoln, RI

Looking for a home equity loan specialist in Lincoln? Review the directory below to compare your options.

4 agents listed
Updated June 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 State Mortgage Licensing Authority of Rhode Island before hiring.
Showing 4 home equity loan specialists 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 - George Pedro
ll1 & #ll3, 14 Breakneck Hill Rd, Lincoln, RI 02865
(401) 438-5176 branches.guildmortgage.com
Guild Mortgage - Scott Lacey
ll1 & #ll3, 14 Breakneck Hill Rd, Lincoln, RI 02865
(401) 214-4715 branches.guildmortgage.com
Guild Mortgage - Matt Fenster
Ll3, 14 Breakneck Hill Rd Unit Ll1, Lincoln, RI 02865
(401) 330-6968 branches.guildmortgage.com
Guild Mortgage - Monah Rhodes
Ll3, 14 Breakneck Hill Rd Unit Ll1, Lincoln, RI 02865
(401) 480-3613 branches.guildmortgage.com

A home equity loan specialist in Lincoln, Rhode Island can help you access the equity in your home for renovations, debt consolidation, or other needs. Rhode Island law requires lenders to follow strict disclosure rules under the Truth in Lending Act and state regulations. Lincoln residents benefit from local specialists who understand the Rhode Island housing market and property valuation trends.

What Does a Home Equity Loan Specialist in Lincoln Cost?

Typical costs for a home equity loan specialist in Rhode Island include an origination fee of 0.5 to 1.5 percent of the loan amount, an appraisal fee of 300 to 600 dollars, and closing costs of 500 to 1,500 dollars. Some lenders may charge a documentation or processing fee. These costs vary by lender and loan type. This is general information and 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 is a home equity loan specialist in Lincoln Rhode Island?
A home equity loan specialist is a licensed mortgage professional who helps homeowners in Lincoln apply for and secure home equity loans or lines of credit. They guide you through the application process and explain Rhode Island specific lending requirements.
What are the requirements for a home equity loan in Rhode Island?
In Rhode Island, you generally need at least 15 to 20 percent equity in your home, a good credit score, and a stable income. Lenders also review your debt to income ratio and the property appraisal value.
How long does it take to get a home equity loan in Lincoln Rhode Island?
The process typically takes 2 to 6 weeks from application to closing. Rhode Island law requires a three day right of rescission period after signing, which adds a short delay.

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