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For most people, purchasing a home represents a major milestone. Often, it is the single biggest investment that you will make, one that will become the foundation for your financial well-being. Determining the best way to fund your purchase will go a long way towards helping you build equity in your home. And down the road, tapping your equity may be a way to achieve other goals that you have - purchasing a second home, funding an education, or making home improvements.

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Fixed Rate Mortgages

Fixed rate loans feature an interest rate that remains unchanged for the life of your loan. They are ideal if you prefer a consistent mortgage payment or if you are on a fixed income. Fixed rate loans are a popular choice for new home purchases, refinancing an existing home and consolidating bills into one, consistent monthly payment.

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Adjustable Rate Mortgages (ARMs)

Adjustable rate mortgages feature an interest rate that is lower than fixed rates for a period of time and then may change annually based on a specified index rate. ARMs are an attractive option if you expect a rapid increase in your income in the next few years and wish to maximize your purchasing power now. A wide range of ARMs are available:

You may choose any of the following:
1 year ARM The rates* on this loan may change every year.
3/1 ARM This loan has a fixed rates* for the first 3 years and then may change every year thereafter. This loan is attractive to those borrowers who want a lower rate than the fixed rates offer or who believe that interest rates may drop over the next 3 years.
5/1 ARM This loan has a fixed rates* for the first 5 years and then may change every year thereafter.
7/1 ARM This loan has a fixed rates* for the first 7 years and then may change every year thereafter.
10/1 ARM This loan has a fixed rates* for the first 10 years and then may change every year thereafter.

*In these programs, the initial interest rate is fixed for a period of time and then the interest rate may change annually (increase or decrease) in line with movements in the index rate specified in the corresponding note. Generally, interest rate increases result in higher monthly payments.

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First-Time Homebuyer

Buying your first home? We have a variety of loan programs designed to help first-time homebuyers, including special loans for borrowers with low and moderate income. These loans feature below-market rates and minimal or no down payment. Programs may even be available to assist you with closing costs. Our mortgage experts can provide all the details and help you determine whether one of these programs suits your needs.

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Construction Mortgages

Washington Trust has been helping customers finance the construction of their new homes for many years. You have the option of a fixed or adjustable rate product. We offer a 15 month interest only construction term. Our construction loans are available for primary or 2nd homes, purchase land and construct home, construction of home on your land, rehabs or additions to your current home and modular homes. Disbursements are made quickly and are handled at the local level with an experienced, knowledgeable staff. Our mortgage experts make the process easy and efficient - there's one application, one approval, one closing, and competitive rates and fees.

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Reverse Mortgages

If you're a homeowner age 62 or older, a reverse mortgage could be right for you.

Brian L. Mahone

For more information about reverse mortgages, please contact Brian L. Mahone, Reverse Mortgage Specialist. Brian specializes in reverse mortgage education and consultations for senior homeowners and their families and professionals in the field of Elder Services. He has more than 20 years of mortgage loan and management experience.

Contact Brian TODAY!

CLICK HERE to learn more about reverse mortgages >>>


For Reverse Mortgage:
We arrange but do not make loans.

This material is not provided by, nor is it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). You should consult your benefits specialist, or financial advisor as Reverse Mortgage payments may have an effect on your particular situation. Consult your tax advisor

Home Affordable Refinance Program (HARP)

Think you can’t refinance? Think again.
Washington Trust Mortgage Company offers refinancing through the Home Affordable Refinance Program (HARP). A HARP loan gives homeowners an opportunity to make their payments more affordable. Contact a local mortgage professional today!


HARP loans require a loan application and underwriting process, and refinance fees will apply.

CT ML License #ML-901927, MA MB License #MC901927, MA ML License #MC901927, RI Lender License #20122863LL, RI Loan Broker License #20122864LB, Licensed by the New Hampshire banking department

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May 24, 2015
10:00 p.m. - 11:00 p.m.

Due to system maintenance, Online Banking and Mobile Banking will be unavailable on Sunday, May 24 between the hours of 10:00 p.m. and 11:00 p.m.