Becoming a homeowner for the first time can be an exciting adventure. The following information will provide you with the tools and knowledge to navigate the process. Click on the section headers below for FAQs.
FHA Loans
- • 30 Year Fixed Rate
- • Low Down Payments
- • Flexible Guidelines
For today’s rates & program details
Call 401-729-4060Equal Housing Lender. 
First Time Homebuyers
- 3.750% rate
- 4.289% APR
30 Year Fixed Rate Special
100% Financing
No Closing Costs
Advertised Annual Percentage Rate (APR) with 0 points as of 8/16/2019. All borrowers must be a first time homebuyer to qualify. Minimum credit score of 720 required for all borrowers. Maximum loan amount $484,350. Mortgage insurance (PMI), property insurance (and flood insurance if applicable) required. Account subject to individual approval. Rate and APR subject to change without notice. Single family, owner-occupied properties only. PCU’s regular terms and conditions apply. No Closing Cost offer available only on 30 Year Fixed Rate Special loans. If applicable, borrower must pay certain costs (e.g. prepaid interest, initial escrow deposit, PMI). Attorney’s closing fees capped at $900 (typically $600-$700). 100% financing offer only applicable to first time homebuyer loans; all borrowers must be a first time homebuyer to qualify. Equal Housing Lender.
Loan Programs, Rates & Fees
When it comes to home financing, there are many different features to consider. How do you find the loan that’s best for you? Here’s some information to help.
Application Process
Applying for a mortgage can be intimidating. You’re asked specific details about your income, assets, and debts. Learn how that information is used when applying for a mortgage.
Your Property
When you buy or refinance a home, the property is used as collateral for the loan. Here’s what the lender is looking for and why.
Closing Process
When your loan is approved and your closing date has been set, here’s what to expect at closing and what happens afterwards.