Today's Rate

Today's mortgage rate effective November 22, 2017 is 4.000% with an Annual Percentage Rate of 4.195% (servicing released). You may qualify for lower rates. Rates are subject to change without notice.

Mortgage Types

At Washington Trust Bank you'll find a wide range of home loan options. We make decisions locally so you'll always know who to call—long after your loan closes. With competitive rates and no hidden fees, the only decision left is which mortgage option is right for you.

Online Application

Apply Online

Online Application

Apply Online

Fixed-Rate Loans

Get the security of paying the same principle and interest payment every month with a Fixed Rate Loan. Simply apply and relax in the comfort of your new home.

First-Time Homebuyers

Take advantage of Washington Trust Bank's expertise to learn about the special considerations available for a first mortgage—saving you money and time while making it easier to get into your first home.

Jumbo Loans

Get the luxury home of your dreams with a Jumbo Loan, a great option for buyers seeking a mortgage of $424,001 or more in most areas.

Affordable Housing Loans

Stop renting and start owning! Discover how Washington Trust Bank can find you a variety of loans including USDA Rural Development, Washington State Housing, and Idaho Housing and Finance Association (IHFA), perfect for those who need a lower down payment than conventional loans. In some cases, zero or near-zero down is available to qualified borrowers.