Frequently Asked Questions

Rhode Islanders often have many questions about home ownership and mortgage loans. Some of the more common ones are listed here, along with their answers.

What companies offer mortgages through your site?

There is a full network of lenders, both local and national that are fully certified and working to give loans through RiMortgageLoans.com. Many of the top-name, national lenders you may have heard of belong to our network.

Does filling out the form on your site affect my credit?

No. There is no credit check or information sent to credit bureaus when you use the form on this site in order to be connected with lenders who work with Rhode Islanders like you.

Do I have to know my credit score before I get a mortgage?

No, but it really helps if you have at least evaluated your credit reports from the three major reporting agencies in order to effectively address any issues that may appear on your credit before you apply for a mortgage loan. Law entitles you to view your report for free once per year.

Am I obligated to use a lender I find through your site?

No, you are not; however, you are advantaged in finding a lender through referral from here, as you can know that they are reputable and not likely a fly-by-night type of organization.

How long does it take to get connected with a mortgage lender?

No time at all. You will have information and quotes available immediately after using the form on this site.

Do you work with lenders from other states or for homes in other states?

Yes to both. If you are interested in finding property outside of Rhode Island, you can get a lender for that through this site as well.