Welcome to the Mortgage Center!

At Wave, whether you are buying or refinancing, you’re sure to find the ideal mortgage loan to suit your particular situation. With some of the best rates and terms around. Looking for a fixed mortgage? We even have some programs where you can set up a weekly, bi-weekly or monthly payment plan. Leaning toward a variable-rate option, we have them as well. There are Rhode Island Housing loans with rates as low as 3.75% and $500 down payment and closing cost assistance. FHA-approved mortgages are also offered with a low 3.50% down payment. We also have VA and first-time homebuyers mortgages. You’ll even find Refi-Plus mortgages up to 105% loan to value.

When it comes to financing your mortgage, many institutions make you pay the old-fashioned way…monthly. Or they’ll charge you a fee to pay more frequently. Not here. You can set up a weekly, bi-weekly or monthly payment plan. And you can change it at any time…without penalty. Click here to see how the savings can add up »

Wave. And say hello to Pier!

It’s one thing to offer a complete range of mortgage products. It’s quite another to know just which product is right for you. That’s where Pier comes in. Pier is your Wave Mortgage Lending Consultant. She brings over 22 years of experience in all facets of mortgage lending including the mortgage selection process, title and closing steps and everything in-between. She’s a past member of the Realtor Board of Rhode Island and the Mortgage Bankers Association in Rhode Island, Massachusetts and Connecticut. She’s also Past President of the Mortgage Underwriters Association of Rhode Island.

Most importantly, she’s objective. She wants what’s right for you…today and for the long haul.

Talk to Pier today. Call her at (401) 562-1238 or email This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

Getting started.

To get your application started, apply here. And then we can work with you on the application itself. We’ll need the last two-years of your tax returns, a signed purchase and sales agreement and verification of income (full month of pay stubs and last two years of w2s).