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FHA, USDA & VA Loans

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

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

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.
Learn More: Financial Education

Meet Our Lending 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
NMLS ID: #16862
Email: [email protected] (Please note email is not secure)

Kevin Owren

Senior Mortgage Originator
Office: 401.637.4415
NMLS ID: #768404
Email: [email protected] (Please note email is not secure)
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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  • 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 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

Helpful Resources

Free Credit Report Review

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