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Adjustable Rate Mortgages

The best of both worlds - Lock in your rate & don't worry about refinancing!

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Fixed Rate Mortgages Adjustable Rate Mortgages First Time Homebuyer Jumbo Mortgages FHA, USDA & VA Loans Land & Construction

Rates can be unpredictable

With our Adjustable Rate Mortgage, you can get the best of both worlds. You can lock in your rate for up to 10 years plus your rate will go down if rates fall so you don't have to worry about refinancing. 
 
  • Lower interest rate at time of purchase
  • Ability to lock in rate for 5, 7 or 10 years 
  • Minimum down payment as low as 5%
  • Competitive interest rates available for Veterans & Jumbo Loans
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Meet Our Lending Team

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

Jeanne Abate

Senior Mortgage Originator
Office: 401.637.4415
NMLS ID: #529809
Email: jabate@westerlyccu.com (Please note email is not secure)
Serving: Charlestown, Hopkinton, Westerly, RI and New London County, CT.

Jeff VanderVorste

Senior Mortgage Originator
Office: 401.637.4446
NMLS ID: #16862
Email: jvandervorste@westerlyccu.com (Please note email is not secure)
Serving: Exeter, South Kingstown, North Kingstown, Narragansett, Newport County, and Richmond, RI.
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, Richmond, Wakefield, and Coventry.

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

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Free Credit Report Review

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