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MORTGAGES

We’ll help make your home dreams a reality.

We offer a range of fixed rate and variable rate first mortgages.

Whether buying your first home, moving to your dream home, or refinancing your mortgage, we’re committed to helping you.
Get your free mortgage consultation today.

A Home Loan Designed for YOU!

30 YEAR FIXED

RATE
5.990%

APR*
6.171%

20 YEAR FIXED

RATE
5.625%

APR*
5.861%

15 YEAR FIXED

RATE
5.375%

APR*
5.669%

FIRST TIME HOME BUYER

Ask us about our first time buyer programs!

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CALCULATORS
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Features & Benefits:

  • Reduce your rate 4 times over the life of your loan when rates go down with Rate Guard - Learn More
  • Low Mortgage Rates
  • Low closing costs
  • FHA/VA/USDA
  • Dedicated Credit Union mortgage advisors to guide you through the entire home loan process

Products include:

  • 10, 15, 20 & 30 Year Fixed Mortgages
  • Adjustable ARMs
  • USDA (Rural Development Loans)
  • 15 & 30 Year Jumbo Mortgages (Mortgages greater than $806,500)
  • FHA (Federal Housing Administration) & VA (Veterans)
  • First Time Homebuyer Program
  • Second homes
  • 1-4 family investment properties
  • Out of state financing available
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*Mortgage Markets CUSO LLC (credit union service organization) operates for the benefit of credit unions and credit union members offering Conventional, FHA, VA, USDA and jumbo mortgage products. By collaborating with other credit unions in a cooperative effort, Mortgage Markets CUSO LLC has developed leading edge technology, mortgage expertise, local underwriting and excellent personal service. Not all products and options are available in all states. NMLS #157939.

Rhode Island Credit Union. NMLS #509121


The promotional rates above apply to conforming conventional purchase or refinance loans with a loan amount of $250,000 at 80% LTV ($312,500 with 20% down payment), and a credit score of 720. All loans subject to credit and property approval. Not all applications submitted to RICU may qualify. FHA, VA, USDA, RI Housing and JUMBO loans are excluded from the rate promotion. Contract must be received to lock the promotional discount.


The 15-year term interest rate is 5.99%/ 6.230% APR, requires 180 principal and interest payments of $2,108. The 20-year term interest rate is 6.375% / 6.571% APR, requires 240 principal and interest payments of $1,846. The 30-year term is 6.375% /6.523% APR, with 360 principal and interest payments of $1560. These fixed-rate payments do not include taxes and insurance, total monthly obligation will be higher. Additional rates may apply for higher or lower loan amounts, loan purpose, credit score, or LTV. Other terms and conditions may apply.