Happy family holding an our first home sign

First Time Home Buyers

Take the Next Big Step!

Are you looking to purchase your first home? We offer financial solutions that help first time home buyers throughout the home buying process.


Find a Loan Officer


Looking for a home and don’t know where to start? A conventional loan may be right for you
RI & MA Housing

Looking for a home in Rhode Island or Massachusetts? RI & MA offer mortgage programs that help first time home buyers buy the house of their dreams. 
FHA Loans

Do you want to purchase a home, but have a low credit score or a small down payment? FHA Loans offer flexible parameters suitable for buyers with low credit scores or limited cash.
VA Loans

Have you served in the military and are in need of a mortgage? VA Loans make purchasing a home easier for veterans with a low or no down payment.
Medical Professional Loans

Our Medical Professional Home Loan program is designed to assist recent medical school grad-uates in purchasing their first home!

Why Shoreham Bank?

Our Loan Officers have the knowledge and experience to guide you through every step of the home buying process, and help you find the specific program that can provide with down payment and closing cost assistance.

Get in touch with a Loan Officer today to find which program is best for you!


Subject to Credit Approval.