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With attractive rates, excellent terms, and expert guidance, Admirals Bank is the right choice when you are considering the purchase of a new home or refinancing an existing mortgage. Our loan programs can help you purchase your dream home, lower your existing monthly payments, reduce the term of your current loan, or even get you cash out.

Our experienced mortgage professionals will guide you through the entire loan process, from pre-qualification to closing.  We offer a variety of mortgage programs and options, as outlined below, to provide you with a mortgage that fits your individual financing needs.

Beginning is as simple as completing our quick online loan application.  To get started, apply today or schedule a free consultation with one of our mortgage experts. Thank you for choosing Admirals for your home financing needs!



For most of our valued customers, a conventional mortgage is the best fit. A conventional mortgage allows you to borrow up to 95% of your home’s value or purchase price. We offer financing on primary residences, investment properties, and second homes.


For our customers seeking larger loan amounts, Admirals Bank offers financing
up to $2,000,000. Our financing options include primary residences and
second homes whether you are just looking to reduce your rate or to get cash out.

FHA (Federal Housing Administration)

Our FHA programs are great for customers looking to put as little money down as possible. With refinances up to 97.75% of your home’s value or up to 96.5% of your new home’s purchase price, Admirals Bank FHA mortgages provide some great options with rates traditionally lower than conventional loans.

VA (Veterans Administration)

Available to our current and former military customers, Veterans Administration (VA) mortgage programs offer the opportunity to purchase your new home with no money down up to the full purchase price. VA loans can also be used for refinancing your primary residence for cash out up to 90% of your home’s value.

USDA (U.S. Department of Agriculture)

Available to our customers in less populated areas, USDA loans can be used to purchase your new home with no money down up to 100% of the purchase price. Some income and location restrictions apply so please inquire for more details.



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Admirals Bank NMLS #527702
15 Park Row West, Providence, RI  02903
Toll Free:  (800) 562-6663
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