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Showing 2 mortgage refinance companies in North Smithfield, 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.
Network Funding LP
621 Pound Hill Rd Suite 103, North Smithfield, RI 02896
4016512716
First Northern Financial Group
980 Eddie Dowling Hwy, North Smithfield, RI 02896
8007371366
What Does a Mortgage Refinance Company in North Smithfield Cost?
Typical costs for mortgage refinancing in Rhode Island range from 2 to 5 percent of the loan amount. This includes lender fees, appraisal fees (usually 400 to 700 dollars), title search fees, and recording taxes. For a 200,000 dollar loan, total closing costs often fall between 4,000 and 10,000 dollars. 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 is the typical timeline for refinancing a mortgage in North Smithfield?
A standard refinance in Rhode Island takes 30 to 45 days from application to closing. This timeline includes appraisal, underwriting, and document preparation. Delays can occur if additional property inspections are needed.
Are there Rhode Island specific fees for mortgage refinancing?
Yes Rhode Island charges a mortgage recording tax of 0.23 percent of the loan amount. There is also a state documentary stamp tax of 0.23 percent. These fees are paid at closing and vary by loan size.
Can I refinance a mortgage in North Smithfield with bad credit?
Many lenders in Rhode Island offer FHA streamline refinance programs that require no credit check. Conventional loans typically require a credit score of 620 or higher. Local companies can review your specific situation and suggest options.