Personal Banking

Helping more Rhode Islanders realize their dream of home ownership!

  • Up to 100% financing available*
  • Matching down payment grants available*
  • Great rates on 30-year fixed rate mortgages
  • Customizable loans make it affordable for you
  • Waived lender fees**
  • Closing cost assistance available
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Qualify by Income

Total annual income for all borrowers must be at or below $64,480.

Represents 80% of area median income; subject to change.

Short on Down Payment Funds?
I Luv RI Community Lending Can Help!

Down Payment Assistance Grants
Reduced Costs
Up to 1.5% matching funds grant Receive up to $2,500 in closing cost credits
Grant funds have no pay-back required We'll waive our lender fees
No strings attached We'll share the expense of mortgage insurance


To learn more about Washington Trust’s I Luv RI Community Lending program, please contact Steven Larson, Vice President, at 401-348-1200 or .

Email Steve

Washington Trust's Commitment

You will receive courteous, professional advice from our team of trusted advisors; a smooth streamlined process with our help every step of the way; an extensive product line to meet your specific life goals; local decision-making and quick closings.

NMLS #414726; Member FDIC; All loans subject to credit approval. Property must be located in an approved census tract and/or qualified applicant must be at or below 80% of area median income. Borrower(s) must be first-time homebuyers or have no current ownership in any other real estate. Owner-occupied primary residences only. Additional restrictions apply for 2-family residences. *Washington Trust will match up to 1.5% of a 3% downpayment as a non-repaid grant. **Washington Trust will waive the standard underwriting and processing fees.

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!