Home Loans

Special loans can make a good buy even better

  • Loans featuring below-market rates and minimal or no down payment
  • Programs to assist you with down payment and closing costs
  • Mortgage experts to help you find a solution that suits your needs and guide you through all the details right up to your closing

Home Loans

Your Path to Homeownership

No matter where you are in the homebuying process, Washington Trust wants to help make your dreams of homeownership a reality.

We offer the financial education and coaching you need no matter where you are in life. And, best of all, we’ll work with you every step of the way to help you meet your goals, wherever you are in the homebuyer process.

Lending programs

I Luv RI Community Lending

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

Lending programs

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.

Lending programs

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.

Family in front of house

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.

Talking to a mortgage expert

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.

Get In Touch

Connect with a Mortgage Specialist

We’ll help you get the answers you need every step of the way so you end up with the best loan possible.