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Browse mortgage refinance companies serving Johnston, Rhode Island. Contact information and addresses listed below.
3 agents listed
Updated May 2026
Johnston, 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 Rhode Island before hiring.
Showing 3 mortgage refinance companies in Johnston, 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.
TMF, Mortgage Professionals
986 Hartford Ave, Johnston, RI 02919
4012970205
Southwind Financial Group
1356 Atwood Ave, Johnston, RI 02919
4012704999
Sean Sullivan
One Citizens Bank Way, Johnston, RI 02919
4018566809
Johnston homeowners seeking a mortgage refinance company can explore local lenders familiar with Rhode Island real estate laws. Rhode Island requires lenders to provide a Truth in Lending disclosure within three business days of application. Working with a company based in Providence County can help you navigate state specific regulations and closing procedures.
What Does a Mortgage Refinance Company in Johnston Cost?
Typical costs for a mortgage refinance in Rhode Island include an application fee of 300 to 500 dollars, an appraisal fee of 400 to 700 dollars, and title search fees of 200 to 400 dollars. Closing costs generally range from 2 to 5 percent of the loan amount. Rhode Island also charges a mortgage recording tax of 0.23 per 100 dollars borrowed. These costs vary by lender and loan type. This information is general 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 documents do I need to refinance a mortgage in Johnston Rhode Island?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. Rhode Island law does not require a specific document list but lenders follow federal guidelines under the Truth in Lending Act.
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 title issues arise or if the property is in a flood zone requiring additional insurance.
Are there Rhode Island specific fees for mortgage refinancing?
Rhode Island imposes a mortgage recording tax of 0.23 per 100 dollars of the loan amount. You may also pay state documentary stamp taxes and local transfer taxes in Johnston. These fees are typically disclosed on your loan estimate.
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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 Rhode Island.