Fixed Rate Mortgages

Get the security and predictability you need with a fixed rate loan.

Looking for your dream home?

Our expert staff can help you every step of the way so when you finally found the perfect one, you won't have to worry about financing. We will take care of all the details to help answer all your questions.  
  • Protect yourself against rising rates
  • Minimum down payment as low as 5%
  • Rate is fixed for entire term so you don't have to worry about rising rates
  • Terms up to 30 years
  • Competitive interest rates available for Veterans & Jumbo Loans


Pre-qualification provides a “ballpark” estimate of your borrowing power based on summary information of your income and assets. A satisfactory review of the property, financial documents and program requirements are required prior to final approval.
First, you will complete our on-line application. The application will ask you questions about the home and your finances and takes less than 20 minutes to complete. As soon as you’ve finished the application we will review your request. 

After completing your application, a Mortgage Originator will contact you to introduce himself or herself and to answer any questions you may have. Your Mortgage Originator is a mortgage expert and will provide help and guidance along the way. 

We will send preliminary application documents for you to review and sign. We will also send you a list of items that will need to be verified, referencing the information you provided about your finances during the online application.

We will order the appraisal from a licensed appraiser who is familiar with home values in your area. 

Title insurance will be necessary. If you’re purchasing a home, we will ensure the title work is ordered as soon as possible. If you are refinancing we will take care of ordering the title work for you. We’ll use the title report to confirm the legal status of your property and to prepare the closing documents. 
To begin the process, it is best to bring several items to the first meeting:
  • Your most recent year’s W-2s
  • Your most recent pay stub
  • All pages of your most recent bank statement
  • Have an idea of your outstanding debts
Yes, applying for a mortgage loan before you find a home may be the best thing you could do! If you apply for your mortgage now, we will issue an approval subject to you finding the perfect home.
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.

Flex Equity Line of Credit

Unlock your home's potential! Use it as a fixed rate loan or line of credit. NEW - Now available for Investment Properties.