Dreaming of owning your own home?
As a first-time homebuyer, you get access to a lot of great programs that can help make your dream a reality. You get access to grants, tax credits, state programs federally backed loans and have a lower down payment. Even if you're not a first-time homebuyer, you may still be able to take advantage of these programs:
First-time Homebuyer program
- As low as 3% down-payment required
- No or minimum mortgage insurance required
- Minimum FICO score of 620
- Fixed and adjustable rates available
NEW - Welcome Home program
- As low as 1% down-payment required
- No points
- No mortgage insurance required
- Minimum FICO score of 720
- Fixed rates up to 30 years available
- Single family residence and condos only - no multi-family
- 110% of area median income limits
Meet Our Lending Team
Our experienced mortgage lenders are happy to explain all of our loan options and guide you through the application process.
Have questions? Contact us or visit our Mortgage Frequently Asked Questions.
Need to be pre-approved? Just fill out the form below and we get you on your way to owning your home!
For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access website or feel free to contact us.
We joined right after WCCU opened. Needed a loan to pay off some bills. Everyone is so helpful and always has a smile for you. Always made me feel like part of the family. For me...the WCCU is the only place to bank! Thank you so much for such great service over the many years!Gerry M. of Westerly
We joined the WCCU many years ago because we really got tired of the big banks with their big fees and lack of community. We stayed because they treated us like we mattered. They valued their members by offering great rates on mortgages and HEQ loans. When my husband became ill, they worked with us until we could get back on our feet. Only small hometown banks offer this type of service.Deanna C. of Westerly
WCCU helped my wife and I pay off our mortgage. We have been mortgage-free for over a year now and have gained financial freedom.David I. of Charlestown