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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
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

  • First Name is a required field.
  • Last Name is a required field.
  • City is a required field.
  • State is a required field.
  • ZIP Code is a required field.
  • Please enter a valid ZIP code.
  • Phone Number is a required field.
  • Please enter a valid phone number.
  • Email is a required field.
  • Please enter a valid email address.
  • reCAPTCHA is a required field.
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.