Personal Banking

Buying your first home?

We have a variety of loan programs designed to help first-time homebuyers afford the home of their dreams, and Washington Trust will guide you through the process every step of the way.

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  • Loans feature below-market rates and minimal or no down payment.
  • Programs may be available to assist you with down payment and 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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I Luv RI Community Lending

Washington Trust's I Luv RI™ Community Lending Program may help you realize your dream of homeownership. Learn more

Freddie Mac Home Possible

Home Possible is designed to provide more flexible homeownership financing for borrowers. It allows as little as 3% down payment, and these funds can come from a gift or as part of an approved community down payment assistance program.

Fannie Mae HomeReady

HomeReady mortgage allows co-borrowers who don’t live in the home to be included on the mortgage. Ideal for home buyers with limited savings, and the down payment and closing costs can be paid from sources other than your own funds. Learn more [PDF]

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Rhode Island Housing Programs

Rhode Island Housing offers mortgages though Washington Trust. Our mortgage experts can help you determine whether a RI Housing Loan suits your needs.

Massachusetts Housing

Massachusetts Housing offers a unique blend of low down payment financing and a variety of PMI options to provide homebuyers with low cost options.

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Get Started with a Mortgage Specialist

Apply online today with our easy to use Online Application.  Find a mortgage specialist to get started.

Apply Online Today

Customer Solutions Center

(800) 475-2265

Telephone Banking available 24/7 at

(800) 226-5877

Tambien disponible en español. Banca telefónica disponible 24/7/365!