Today's mortgage rate effective January 18, 2019 is 4.625% with an Annual Percentage Rate of 4.861% (servicing released). You may qualify for lower rates. Rates are subject to change without notice.
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.
Whether you’re looking to purchase your first home, refinance your current mortgage, or apply for a home equity line of credit, we have a loan option for you!
Enjoy the security of making the same payment every month with a Fixed-Rate Loan.
Learn about loan options available for First-Time Homebuyers.
Affordable Housing Loans*
Stop renting and start owning! There are a variety of loan options, including USDA Rural Development, Washington State Housing and Idaho State Housing that, in some cases, require zero or near-zero down to qualified borrowers.
Manufactured Home Loans*
Get the affordability of long-term conventional loans or short-term loans at competitive rates.
FHA and VA Home Loans*
Take advantage of FHA (Federal Housing Administration) and VA (Veterans Administration) loans, guaranteed by the U.S. Government.
Take advantage of low interest rates by refinancing your current mortgage.
Get the luxury home of your dreams with a Jumbo Loan, the option for buyers seeking a mortgage of $453,101 or more in most areas.
*Subject to credit approval and must meet eligibility requirements.