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First Time Homebuyer

There are advantages to being a first time homebuyer!

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

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
 
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
 

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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

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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 offers valuable banking solutions including checking accounts, savings accounts, mortgages, home equity loans, car loans, credit cards, personal loans and more. Bank online or visit one of our conveniently located branches in Westerly, Richmond, Wakefield, and Coventry, Rhode Island.

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

Helpful Resources

Free Credit Report Review

We can help you reach your financial goals. Start with a Free Credit Report Review at WCCU.
Additional terms, conditions, and restrictions may apply. Programs available to qualified borrowers only. Property eligibility requirements vary by program. Homeownership counseling may be required for certain programs. Property insurance (and flood insurance, if applicable) is required. Program availability and terms are subject to change without notice.