Home Loan Investment Bank

Home Loan Investment Bank is a trusted financial institution that specializes in mortgage lending, personal banking, and financial solutions tailored to meet the needs of individuals and families. With a commitment to customer service, competitive rates, and also personalized guidance, Home Loan Investment Bank stands out as a reliable partner for those seeking home financing and other financial services. In this blog post, we will explore the offerings of Home Loan Investment Bank and how it can help you achieve your homeownership and financial goals.

Home Loan Investment Bank

About Home Loan Investment Bank

Home Loan Investment Bank is a community-focused bank that has been serving customers for decades with a range of mortgage products, personal loans, and banking services. The bank prides itself on its personalized approach to customer service, transparent lending practices, and commitment to helping individuals and families achieve their homeownership dreams.

Home Loan Investment Bank: Shoreham Bank

Since 1959, Shoreham Bank has been serving the community in Rhode Island. Originally known as Home Loan & Investment Association, the bank has evolved to offer a wide range of financial services beyond just mortgages. On March 15th, 2024, they officially changed its name to Shoreham Bank to better reflect our expanded product offerings.

What they offer?

  • Mortgages: Our roots lie in mortgage lending, and they continue to provide competitive mortgage solutions for homebuyers and homeowners.
  • Home Equity Loans: Need funds for home improvements or other expenses? Their fixed-rate home equity loans are designed to fit your budget.
  • Auto Loans: Whether you’re buying a new car or refinancing an existing auto loan, Shoreham Bank has you covered.
  • SBA & USDA Loans: They are specialize in government-guaranteed funding for small business owners. If you’re looking to grow your business, explore SBA and also USDA loan options.
  • Retail Banking: From checking accounts to savings and CDs, we offer convenient and reliable banking services.

Why Choose Shoreham Bank for Your Home Loan?

  • Local Expertise: Our team of experienced mortgage advisors live and work in Rhode Island, understanding the local market and its nuances.
  • Wide Range of Loan Options: From FHA loans for first-time buyers to VA loans for veterans and conventional loans for various needs, we have a loan program to fit your situation.
  • Competitive Rates: We strive to offer competitive rates to ensure you get the best possible value for your home loan.
  • Streamlined Process: Our streamlined application process makes getting a mortgage efficient and stress-free.
  • Exceptional Customer Service: We are dedicated to providing personalized attention and guidance throughout your home buying journey.

Beyond Mortgages

Shoreham Bank isn’t just about home loans. They are your one-stop shop for all your financial needs, offering:

  • Personal and Business Banking: Manage your checking and also savings accounts, access convenient online banking tools, and explore personal and business loan options.
  • Auto Loans: Get competitive rates and flexible financing options for your next car purchase.


Understanding the role of investment banks in the home loan market can provide valuable insight into the factors that impact your mortgage options. While they don’t directly lend to individuals, their activities influence interest rates, loan availability, and terms. For your home loan needs, it’s best to focus on reputable lenders who cater directly to individuals such as traditional banks, credit unions, and mortgage brokers.

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