Welcome to Capital Home Mortgage Rhode Island, where we strive to provide Rhode Island Home Loans to Rhode Island homebuyers and homeowners at competitive rates and fees while giving great service.

First and foremost, we’d like to thank you for the opportunity to earn your business.  We understand that acquiring a house is the most important decision of most people’s life, which is why Capital Home Mortgage Rhode Island offers dedicated points of contact throughout the mortgage process.  This assures a stress-free and pleasant experience, with an on-time close.  After all, buying a home should be fun rather than stressful.

Capital Home Mortgage Rhode Island, as a direct Rhode Island Mortgage Lender, manages the entire lending process from beginning to end.  Our in-house processing and underwriting enables for quick, reasonable approvals and timely closings.  We have complete control over everything from the application to the funding process.

Capital Home Mortgage Rhode Island Rhode Island Mortgage Lender that offers a comprehensive range of mortgage products as well as competitive Rhode Island Mortgage Rates.   Whether you are a first-time purchaser seeking a Rhode Island FHA Home Loan, looking for a rural property and needing a Rhode Island USDA Home Loan, a Native Rhode Islander wanting to use the HUD 184  Rhode Island Native American Home Loan, an active or retired veteran in need of a Rhode Island VA Home Loan, or a seasoned buyer in need of a Rhode Island Conventional Home Loan, we are here to assist.   

Rhode Island is the smallest state in the United States by land area, is located in the New England region of the northeastern United States.   Known as the “Ocean State” due to its extensive coastline and maritime history.  Rhode Island is bordered by Massachusetts to the north and east, Connecticut to the west, and the Atlantic Ocean to the south. Despite its small size, it has a diverse geography, including coastal plains, forests, and urban areas.  Providence is both the capital and largest city of Rhode Island. It is also one of the oldest cities in the United States, founded in 1636 by Roger Williams.

Historically, Rhode Island’s economy was centered around manufacturing, particularly textiles, jewelry, and machinery.  However, like many states in the Northeast, it has transitioned to a more service-based economy, with sectors such as healthcare, education, tourism, and finance playing significant roles.

Rhode Island is home to several notable institutions of higher education, including Brown University, a prestigious Ivy League school located in Providence; the University of Rhode Island (URI), the flagship public research university; and the Rhode Island School of Design (RISD), a renowned art and design college.

Rhode Island has a rich cultural heritage, influenced by its colonial history and diverse immigrant population. It is known for its vibrant arts scene, particularly in Providence, which hosts numerous theaters, galleries, and cultural events. The state also celebrates its maritime heritage with festivals and events along its coastline.

Despite its small size, Rhode Island offers a variety of attractions for visitors. Newport, known for its historic mansions and sailing culture, attracts tourists interested in history and coastal activities. Providence offers a lively culinary scene, cultural events, and historical landmarks. Other attractions include the Roger Williams Park Zoo, WaterFire Providence, and the scenic beaches along the coastline. is located in the Southeastern United States, with the Gulf of Mexico to the west, Alabama to the northwest, Georgia to the north, the Bahamas and the Atlantic Ocean to the east, and the Straits of Florida and Cuba to the south. It is the only state bordering the Atlantic Ocean and the Gulf of Mexico. It is the third-most populous state in the country, with a population of over 21 million people.

A number of factors, such as Rhode Island’s geographic limitations, economics, demographics, and housing demand, have an impact on the state’s real estate market. 

Though not as vast as other states, Rhode Island nonetheless has a thriving real estate market, especially in its seaside communities of Newport and its urban districts of Providence.  Different locations have different market dynamics, with some seeing greater demand and appreciation than others.

Rhode Island real estate prices can vary greatly based on a number of factors, including market circumstances, property type, and location. Prices are often higher in urban and coastal places, but there may be more cheap options in rural areas. Although the rate of appreciation may vary, Rhode Island has seen continuous growth in home prices over the previous few years.

The total real estate market in Rhode Island may be impacted by inventory levels. Low inventory levels can cause buyer competition to intensify and drive up prices, especially in popular neighborhoods or property types. On the other hand, increased inventory levels can give consumers more options and result in a more balanced market.

Rhode Island’s large rental market is fueled in part by the state’s labor and student population. A rental property’s cost may change depending on its location, size, and amenities, among other things. Rental costs may be greater in urban regions like Providence than in rural ones.

The real estate market in Rhode Island is heavily influenced by the state’s economy. Affordability and demand for housing can be influenced by variables including income growth, employment growth, and general economic stability. The state’s economy is boosted by sectors including healthcare, education, and tourism, which may also have an effect on the property market.

Rhode Island’s real estate market sees distinct local characteristics in addition to generally following national trends. Rhode Island may see swings in interest rates, housing demand, and other market variables, much like many other places. Individuals can make well-informed decisions about investing in, purchasing, or selling real estate in the state by staying up to date on these developments.

Thank you again for allowing us to help you with your Rhode Island Home Loan.