Affordable Options for Your Perfect Home

House hunting can be exciting and hectic. Your mortgage should be the easy part. We have the right products and experienced team to get you into your perfect home with an affordable payment and none of the headaches.

First-Time Buyers

Expert guidance and a fast pre-approval letter to jump-start the search for your first home.

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  • Competitive fixed and variable rates1
  • Access to Federal Housing Authority, VA and USDA programs2
  • Reduced closing cost options

Adjustable Rate

Ideal if you plan on moving within the first 10 years or are buying an investment property.

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  • Fixed rate for the first 5, 7, or 10 years1,3
  • 30-year term
  • ARMs generally start out with lower interest rates than fixed-rate loans


Single-family home loans for those with budgets greater than $484,350.

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  • 15, 20, and 30-year fixed rate terms1,4
  • Adjustable rate options available3
  • Credit score requirements


Lower your monthly payment, save on interest or pay off your loan faster.

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  • Competitive rates
  • Expert guidance
  • 5-12 year Finish Line Refi available for loans of at least $25,000

Federal Housing Administration

A smaller down payment with an FHA loan could get you into a home faster.

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  • Down payment as low as 3.5%1,2
  • Up to four units
  • Lower credit score expectations

Veterans Assistance Program

Special VA loans for active military, veterans, reservists, and National Guard members.

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  • Backed by the US Department of Veteran Affairs1,2
  • No down payment required
  • No monthly mortgage insurance required


For single-family, owner-occupied homes built within nine months.

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  • Up to 80% of the lot and construction cost
  • Fixed or adjustable rate1
  • Term up to 30-years after completion

All Workers mortgages give you access to:

Convenient Online Payments

Pay your loan anytime from your online banking account or the mobile app.

Online and Mobile Banking

View accounts, check balances, setup ebilling and make a payment.5

Expert Mortgage Team

Our team of experienced mortgage originators are ready to help. Meet the team!

Homeowner's Insurance Options

Workers Insurance Agency provides customizable coverage with flexible payment options. Learn More6
Mortgage Calculator

Estimate Your Fixed-Rate Mortgage Payment

Use our calculator to make sure your new payment will fit into your budget. Enter the price of your home, the size of your down payment, your term, and interest rate and we’ll tell you how much you’ll pay on interest and principle.

Calculate Your Payment

Welcome Home, the Workers Way

Let a Workers Wayᵀᴹ financial coach help you create a personalized step-by-step plan to open the door to homeownership.

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 8/18/2021 and subject to change at any time. Offers may be withdrawn at any time. Workers Federal Credit Union membership required. Annual Percentage Rate=APR.

2VA, FHA & USDA Mortgages: These mortgage types are not included in the GiveBack Program. Programs for primary residence only and are subject to change. The Annual Percentage Rate (APR) on an FHA mortgage is as low as 3.925% APR for FHA. The monthly payment per $1,000 borrowed is $4.15. Taxes and insurance not included. Actual payment obligation may be greater.

3Adjustable Rate Mortgage (ARM): To be used for purchase or refinance of 1-4 family, owner-occupied properties in Massachusetts only. 5/1 ARM available single-family owner-occupied property in Massachusetts. 7/1 and 10/1 ARM rates are also available for construction loans. Rates on ARMS may increase after closing at applicable adjustment term. Upon rate conversion to variable, the rate caps at 2% per adjustment and 6% over the lifetime of the loan. To get the new rate after the fixed period we use a variable number called “the index” which is a one-year Treasury Bill (T-Bill) and add “the margin”. Maximum loan amount of $2,000,000 at an 80% loan-to-value (LTV). The Annual Percentage Rate (APR) on an ARM is as low as 2.912% APR for 5/1 ARM - 30 Years. The monthly payment per $1,000 borrowed is $4.08. Taxes and insurance not included. Actual payment obligation may be greater. Required down payment as low as 5%.

4Jumbo Mortgage: Annual Percentage Rates (APR) based on $495,000 loan to purchase a single-family primary residence at an 75% Loan-To-Value (LTV) and a FICO Score of 740 or greater unless otherwise noted. Jumbo mortgage limits: single-family, $2,000,000 at 80% LTV. Lesser loan limits apply on LTVs greater than 80%. The Annual Percentage Rate (APR) on a Jumbo mortgage is as low as 3.016% APR for 30 Years. The monthly payment per $1,000 borrowed is $4.22. Taxes and insurance not included. Actual payment obligation may be greater. Required down payment as low as 5%.

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

6Coverage 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 non-credit union subsidiary of Workers Credit Union are: NOT A DEPOSIT NOT NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.