Washington Trust Bank will be performing maintenance to WTB Online and our telephone banking systems. Both systems will be unavailable beginning Friday, September 25 at 9 p.m. PDT until complete Sunday, September 27 approximately end of day. Please make necessary arrangements in advance. We apologize for any inconvenience.
Important information to help maintain your financial health: COVID-19 updates, CARES Act details, branch hours.
Last updated September 18, 2020 at 4:12pm.
wtb logo menu

Mortgage Types

Mortgage Types

At Washington Trust Bank you'll find a wide range of home loan options. With competitive rates, no hidden fees and a local team of loan officers ready to help, the only decision left is which mortgage option is right for you.

Today's Rate

Today's mortgage rate effective September 24, 2020. You may qualify for lower rates. Rates are subject to change without notice.

RateAPR (servicing released)

Affordable Housing Loans*

Qualified borrowers can get a low to no-down-payment loan through a variety of programs including:

  • Federal Housing Administration (FHA)
  • Veterans Administration (VA)
  • USDA Rural Development
  • Washington State Housing
  • Idaho State Housing
  • State Bond Loans

First-Time Homebuyers*

We offer a variety of options for financing your first home. You might qualify for a government loan or down payment assistance depending on your circumstances. Visit our first-time homebuyer page for more information and resources to help you get started.

Manufactured Home Loans*

Get the affordability of long-term conventional loans or short-term loans at competitive rates.


For some homeowners, refinancing can save time and money. If interest rates are lower than they were when you initially got your mortgage or if you want different loan terms, refinancing could be a good option for you.

Jumbo Loans*

Get the luxury home of your dreams with a jumbo loan, the option for buyers seeking a mortgage of $510,401 or more in most areas effective on or after January 1, 2020.

*Subject to credit approval and must meet eligibility requirements

Apply Online