First Time Homebuyer

There are advantages to being a first time homebuyer!

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
  • 120% of area median income limits
Financial Education
New! Financial Education Center to help you with every financial situation.

Meet Our Lending Team

Our experienced mortgage lenders are happy to explain all of our loan options and guide you through the application process.

Jeff VanderVorste

Senior Mortgage Originator
Office: 401.637.4446
NMLS ID: #16862
Email: [email protected] (Please note email is not secure)

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! 

Mortgage Pre-Approval

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WCCU NMLS ID: # 518892.

For a list of WCCU employees currently licensed with a NMLS#, visit the NMLS Consumer Access website or feel free to contact us.

Westerly Community Credit Union is a full-service credit union with Rhode Island branches in Westerly, RichmondWakefield, and Coventry.

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.