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Land & Construction

With land, there is opportunity! 

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

Build it the way you want it! 

Whether you are looking to buy land only or want to build, we can help get you the financing you need.  

Land Loans
  • Must be a buildable lot
  • Maximum loan-to-value is 75%
  • Fixed and adjustable rates available
  • Minimum FICO is 670
Construction Mortgages
  • Up to 30 year terms for fixed and adjustable rate mortgages
  • Interest only payments during construction for up to 12 months
  • Fixed and adjustable rates are available
  • Maximum loan-to-value is 80%
  • Minimum FICO is 620
 

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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 is a required field.
  • Last Name is a required field.
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  • State is a required field.
  • ZIP Code is a required field.
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  • Phone Number is a required field.
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  • Email is a required field.
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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

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