RI AnchorHome Loan Program

A more affordable way to buy your first home in Rhode Island!

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Your first home may be closer than you think.

Buying your first home is a big step. WCCU is here to help you explore your options through RI AnchorHome, a program provided by the State of Rhode Island that helps make homeownership more affordable for eligible first-time buyers purchasing a home in Rhode Island.

Benefits:

30-year fixed-rate mortgage: 3.990% interest rate / 4.015% APR*
Up to 100% financing available, no down payment required
No private mortgage insurance (PMI) required
1-2 Family homes are eligible

This program is subject to funding availability. Our expert staff can help you find out if you are eligible.

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Meet Our Mortgage 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

Cell: 401.622.2238

NMLS ID: #16862

Email: [email protected] (Please note email is not secure)

Schedule an Appointment

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

First Name

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*Interest rate and Annual Percentage Rate (APR) are effective as of 6/10/2026 and subject to change without notice. APR of 4.015% is based on a $525,000 loan at a 3.99% fixed interest rate. Monthly payments are $4.77 per $1,000 borrowed for 360 months. Your APR will vary based on the final loan amount and finance charges. Payments exclude taxes and insurance; the actual payment obligation will be greater. Property insurance (and flood insurance, if applicable) is required. Available to qualified first-time homebuyers purchasing a primary residence in Rhode Island. Income limits and other program eligibility requirements apply. Subject to credit approval. Other restrictions may apply.

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.