--- title: "Mortgage Loans in Rhode Island | Nate Moghadam, NMLS #906770" description: "FHA, Conventional, VA, Jumbo & Non-QM loans in Rhode Island. Nate Moghadam (NMLS #906770) helps RI buyers in Providence & Newport get to closing fast." image: https://45730973.fs1.hubspotusercontent-na1.net/hubfs/45730973/raw_assets/public/nateloans/images/og-image.png --- [NateLoans](https://nateloans.com/?hsLang=en) [About](https://nateloans.com/#about)[Loan Types](https://nateloans.com/#loans)[Calculators](https://nateloans.com/#tools)[How It Works](https://nateloans.com/#process)[Reviews](https://nateloans.com/#reviews)[Blog](https://nateloans.com/blog?hsLang=en)[Contact](https://nateloans.com/#contact) [(617) 945-3632](tel:6179453632) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Home](https://nateloans.com/?hsLang=en)[Mortgage Loans](https://nateloans.com/#loans)Rhode Island Nate Moghadam  ·  NMLS #906770  ·  Fairway Independent Mortgage # Mortgage Loans in Rhode Island Whether you're buying in Providence, refinancing along the coast, or purchasing a Newport property, Nate Moghadam brings every loan program and over a decade of expertise to Rhode Island buyers. [Start Your Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) Licensed in Rhode Island 10+ Years Experience 5-Star Rated Direct Access to Nate Licensed in Rhode Island ## Your Local Mortgage Expert in Rhode Island I'm Nate Moghadam, a mortgage loan officer with Fairway Independent Mortgage Corporation, fully licensed in Rhode Island. Rhode Island may be the smallest state in the nation, but its real estate market is far from small — Providence, Warwick, Newport, and the coastal communities attract buyers from across New England looking for value, waterfront access, and quality of life. I work with Rhode Island first-time buyers using FHA and Conventional programs, buyers refinancing existing homes, veterans taking advantage of their VA loan benefit, and investors or self-employed borrowers who need Non-QM financing to qualify. Whatever your situation, I'll find the right program and get you to the closing table. With me, you get a real person on the other end of the phone — not a national bank's hold queue. I'll explain your options clearly, issue your pre-approval quickly, and stay in your corner from start to finish. - **All major loan types:** FHA, Conventional, VA, Jumbo, and Non-QM loans available in Rhode Island - **Fast pre-approvals:** Solid pre-approval letters that give you a real edge in competitive markets - **Direct communication:** Call or text Nate directly — no call centers, no voicemail loops - **On-time closings:** Agents and buyers across Rhode Island trust Nate to close on schedule [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [(617) 945-3632](tel:6179453632) ### Ready to Buy in Rhode Island? Get started today. Pre-approval takes minutes and there's no obligation. [Start Pre-Approval](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) [Book a Call First](https://calendly.com/natemoghadam/homebuyer-consultation) --- [(617) 945-3632](tel:6179453632) [nate@nateloans.com](mailto:nate@nateloans.com) --- Nate Moghadam · NMLS #906770 Fairway Independent Mortgage Corp · NMLS #2289 Equal Housing Lender Available Programs ## Loan Types Available in Rhode Island Every buyer's situation is different. Nate will help you find the program that fits your goals and finances. ### FHA Loans Great for first-time buyers. Down payments as low as 3.5% and flexible credit requirements. - Down payment from 3.5% - Flexible credit requirements - Government-backed [Learn About FHA](https://nateloans.com/fha-loans?hsLang=en) ### Conventional Loans Competitive rates, no upfront MIP, and down payments from 3% for qualified buyers. - Down payment from 3% - No upfront MIP - PMI removable when eligible [Learn About Conventional](https://nateloans.com/conventional-loans?hsLang=en) ### VA Loans Zero down payment, no PMI, and competitive rates for veterans and active-duty military. - 0% down payment - No private mortgage insurance - Competitive VA rates [Learn About VA](https://nateloans.com/va-loans?hsLang=en) ### Jumbo Loans Financing for high-value properties above conforming loan limits — common in Newport and coastal Rhode Island. - Above conforming limits - Competitive rates - Flexible underwriting [Learn About Jumbo](https://nateloans.com/jumbo-loans?hsLang=en) ### Non-QM Loans Self-employed? Investor? Flexible qualification for buyers who don't fit the standard box. - Bank statement programs - Investor cash flow loans - ITIN & alternative doc [Learn About Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) Not sure which loan is right for you? [Book a Free 15-Minute Call](https://calendly.com/natemoghadam/homebuyer-consultation) Common Questions ## Mortgage FAQs for Rhode Island Buyers Straight answers to the questions Nate hears most from buyers in Rhode Island. Is Nate Moghadam licensed to offer mortgages in Rhode Island? Yes. Nate Moghadam (NMLS #906770) is fully licensed in Rhode Island through Fairway Independent Mortgage Corporation (NMLS #2289). You can verify his license at [NMLS Consumer Access](https://www.nmlsconsumeraccess.org/). What loan programs are available in Rhode Island? Nate offers FHA loans (3.5% down), Conventional loans (3% down), VA loans (0% down for veterans), Jumbo loans for Newport and coastal Rhode Island properties, and Non-QM loans for self-employed buyers and investors. What's the minimum down payment to buy a home in Rhode Island? As little as 3.5% with an FHA loan (580+ credit score), 3% with a Conventional loan for first-time buyers, or 0% with a VA loan for eligible veterans. Nate will help you find the right fit for your savings and situation. How competitive is the Rhode Island housing market? Rhode Island's housing market is tight — especially in Providence and the coastal communities. Small inventory, strong demand from both local buyers and those priced out of Greater Boston, and limited new construction keep competition real. **Getting pre-approved before you shop** is essential, and Nate's reputation for fast approvals and on-time closings is exactly what buyers in a competitive RI market need. How long does it take to close on a mortgage in Rhode Island? A typical purchase closes in **30–45 days** from accepted offer. Pre-approval can happen in 1–2 business days. Nate works proactively to hit your contracted close date — on-time closings are something his agent partners specifically rely on. How do I get pre-approved for a mortgage in Rhode Island? [Apply online](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) — it takes about 10 minutes. Or [book a free call with Nate](https://calendly.com/natemoghadam/homebuyer-consultation) to talk through your situation first. No pressure, no obligation. ## Ready to buy in Rhode Island? Talk to Nate directly — no forms, no call centers, no runaround. [Book a Free Call](https://calendly.com/natemoghadam/homebuyer-consultation) [Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) ### Book a Free Call Pick a time that works for you. It only takes a minute. [NateLoans](https://nateloans.com/?hsLang=en) Nate Moghadam Fairway Independent Mortgage Corporation NMLS #906770 #### Loan Types [FHA Loans](https://nateloans.com/fha-loans?hsLang=en)[Conventional](https://nateloans.com/conventional-loans?hsLang=en)[VA Loans](https://nateloans.com/va-loans?hsLang=en)[Jumbo Loans](https://nateloans.com/jumbo-loans?hsLang=en)[Non-QM](https://nateloans.com/non-qm-loans?hsLang=en) #### Quick Links [About Nate](https://nateloans.com/#about)[Calculators](https://nateloans.com/#tools)[Blog](https://nateloans.com/blog?hsLang=en)[Book a Call](https://calendly.com/natemoghadam/homebuyer-consultation)[Get Pre-Approved](https://mobile.fairwaynow.com/homehub/signup/nate.moghadam@FAIRWAYMC.COM) #### Contact [(617) 945-3632](tel:6179453632)[nate@nateloans.com](mailto:nate@nateloans.com)[Disclosures](http://bit.ly/FIMCDisclosures) © 2026 Nate Moghadam  ·  Fairway Independent Mortgage Corporation  ·  NMLS #906770  ·  Company NMLS #2289  ·  Equal Housing Lender  ·  [Disclosures](http://bit.ly/FIMCDisclosures) Powered by [michaeljwong.dev](https://michaeljwong.dev) This is not a commitment to lend. All loans subject to credit approval. Rates and terms subject to change without notice. ```json { "@context" : "https://schema.org", "@type" : "FinancialService", "areaServed" : "Rhode Island", "description" : "Mortgage loan officer Nate Moghadam (NMLS #906770) offers FHA, Conventional, VA, Jumbo, and Non-QM loans in Rhode Island through Fairway Independent Mortgage Corporation.", "name" : "NateLoans — Mortgage Loans in Rhode Island", "telephone" : "+16179453632", "url" : "https://www.nateloans.com/rhode-island-mortgage" } ```