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The Workers Way Mortgage for first-time home buyers1 is designed to make buying your first home a reality. Apply with a team member and ask about our competitive rates.

 

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Account Features

  • Qualifying credit score of 620
  • Low down payment
  • First Time Home Buyer coupon: $500 off closing costs
  • Home buyer education course required
  • Meet our experienced team
Request A Personalized Quote

All Workers Mortgages Give You:

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Convenient Online Payments

Pay your loan anytime from online or mobile banking.
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Online and Mobile Banking

View accounts, check balances, setup ebilling, and make a payment.2
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Experienced Mortgage Team

Our team of experienced mortgage originators are ready to help. Meet the team! 
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Homeowner's Insurance Options

Workers Insurance Agency provides customizable coverage with flexible payment options. Learn more.3

Tips For Home Buying In Turbulent Economic Times

Buying a house is far from a stress-free endeavor, even in the best of times. However, the recent increase in interest rates coupled with inflation and the diminished supply of houses on the market have some home buyers more than a little rattled. Mortgage rates have risen in recent years, which leads to higher monthly payments...
Read More
Man and woman being handed keys to new home.

1All Mortgages: Subject to credit underwriting and approval. Loan amount may vary based upon credit approval. Visit our rates page for all available rates and terms. Rates effective as of  and subject to change at any time. Offers may be withdrawn at any time. Programs, rates, terms and conditions, are subject to change at any time without notice. Workers Federal Credit Union membership required. Subject to membership eligibility.

  • Workers Way for First-Time Home Buyers: Primary residence owner occupied, 1-4 family and condominiums located in MA and NH only. Credit score of 620 or higher unless otherwise noted. Properties used for business purposes do not qualify. Home Buyer Education course must be completed by at least one borrower. Borrower is responsible for the cost of the course. The recommended course cost is $75, but other courses are available at various rates. Speak with a mortgage originator to determine eligibility.
  • First-Time Homebuyer Definition: An individual is to be considered a first-time homebuyer who (1) is purchasing the security property; (2) will reside in the security property as a principal residence; and (3) had no ownership interest (sole or joint) in a residential property during the three-year period preceding the date of the purchase of the security property. In addition, an individual who is a displaced homemaker or single parent also will be considered a first-time homebuyer if he or she had no ownership interest in a principal residence (other than a joint ownership interest with a spouse) during the preceding three-year time period.

2Text, data, and messaging rates apply for downloading/utilizing the app and text alerts.

3Coverage varies by carrier. Products offered by Workers Insurance Agency and Affiliated Companies. Coverage is subject to eligibility and availability. Other terms, conditions, and exclusions may apply. Insurance products available through Workers Insurance Agency, a CUSO of Workers Credit Union are: NOT A DEPOSIT NOT INSURED, NOT NCUA INSURED, NOT MSIC INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT INSURED OR GUARANTEED BY THE CREDIT UNION OR AFFLIATES. MAY LOSE VALUE. SUBJECT TO INVESTMENT RISK INCLUDING POSSIBLE LOSS OF PRINCIPAL INVESTED.