Workers Way Mortgage for First-Time Home Buyers

Turn your dream of owning a home into a reality. With expert guidance and attainable requirements, our mortgage team can bring you home, the Workers Way.

Home Find a Mortgage Workers Way for First Time Home Buyers

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The Workers WayTM Mortgage for first-time home buyers1 is designed to make buying your first home a reality. With relaxed credit score requirements, a lower down payment, and access to an experienced mortgage team, you are one step closer to owning your own home. Apply with a team member and ask about our competitive rates. 

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  • Qualifying credit score of 620
  • Low down payment
  • First Time Home Buyer coupon: $1200 off closing costs
  • Home buyer education course required
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Equity Builder Program

First-Time Homebuyer Assistance

FHLBank Boston Equity Builder for first-time homebuyers and Housing Our Workforce programs offer homebuyers grants to help with down-payments and closing costs. Income limits apply. Available for a limited time only.

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All Workers mortgages give you access to:

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Convenient Online Payments

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

View accounts, check balances, setup ebilling and make a payment2.
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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 more3.
Featured Blog Article

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 since the start of 2022, which leads to higher monthly payments...

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. 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 NCUA-INSURED, NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY, NOT GUARANTEED BY THE CREDIT UNION, OR AFFILIATES MAY LOSE VALUE.