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Compare Mortgage Refinance Companies in Smithfield, RI
Directory of mortgage refinance companies in Smithfield, Rhode Island. Verify credentials with the state mortgage licensing authority before hiring.
3 agents listed
Updated May 2026
Smithfield, 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 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.
Bryan Tavares | Mortgage Professional
595 Putnam Pike, Smithfield, RI 02917
7744069353
Washington Trust
371 Putnam Pike Suite O-180, Smithfield, RI 02917
4012354921
AnnieMac Home Mortgage
39 Cedar Swamp Rd, Smithfield, RI 02917
4018625110
Mortgage refinance companies in Smithfield Rhode Island help homeowners lower their interest rate or change loan terms. Rhode Island law requires lenders to provide a good faith estimate of closing costs within three business days of application. Local Smithfield lenders understand the Providence County housing market and can guide you through the refinance process.
What Does a Mortgage Refinance Company in Smithfield Cost?
Typical costs for a mortgage refinance in Rhode Island range from 2 percent to 5 percent of the loan amount. For a 200,000 dollar loan, closing costs may be 4,000 to 10,000 dollars. These costs include the Rhode Island mortgage recording tax, appraisal fees, title insurance, and lender origination fees. Your actual costs depend on loan size, credit score, and lender policies. 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 documents do I need to refinance a mortgage in Smithfield Rhode Island?
You typically need pay stubs, tax returns, bank statements, and a recent mortgage statement. Rhode Island lenders also require a property appraisal to confirm home value. Gather these documents before applying to speed up the process.
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. This timeline can vary based on lender workload and appraisal scheduling. Rhode Island law requires a three day rescission period after closing for most refinances.
Are there Rhode Island specific fees for mortgage refinancing?
Yes, Rhode Island charges a mortgage recording tax of 0.30 per 100 dollars of the loan amount. You may also pay state documentary stamp taxes and local recording fees. These costs are in addition to lender origination fees and third party charges.
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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.