FHA, USDA & VA Loans

Don't think you can qualify for a home? These programs may be right for you.

Worried about your credit score or can't afford the down payment?

With a goverment loan, you don't need to have a perfect credit score or have to put down a large down payment. Government loans also may offer you a lower interest rate. Our expert staff can help you find the loan that is right for you.  
 
FHA Loans
  • Lower interest rates
  • Low down payment -  as low as 3.5%
  • Fixed or adjustable rate
  • Easier to qualify with more lenient credit requirements and higher Debt-to-Income Ratio
  • Some closing costs can be financed
  • Seller can help pay towards closing costs
  • Non-occupant co-borrower is allowed to help you qualify
  • Minimum FICO 580
USDA Loans
  • No down payment required
  • Lower interest rates
  • Fixed or adjustable rates
  • Easier to qualify with more lenient credit and debt requirements
  • Closing costs can be financed
  • Seller can help pay closing costs
  • Non-occupant co-borrower is allowed to help you qualify
  • Minimum FICO of 640
VA Loans
  • No down payment required
  • No Private Mortgage Insurance
  • Competitive interest rates
  • Seller can help pay closing costs
  • Minimum FICO of 620
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.

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, RichmondWakefield, and Coventry.

Free Credit Report Review

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