Waypoint Home Loans
Buying your first home, your next one, or the land to build on. There is a Waypoint loan for it, decided locally by people who know this market.
Find the Right Home Loan for You
Multiple ways to finance a home, including various government-backed programs. Some suit a smaller down payment, some reward military service, and some are built for rural property or tribal land. A Waypoint lender will help you work out which fits.
Conventional Mortgage
Conventional financing with competitive rates, whether you’re buying your first home, your next one, or refinancing your current home.
Explore Conventional
FHA Loan
Government-backed support that can make qualifying easier if your down payment or credit is limited.
Explore FHA Loans
VA Loans
Benefits earned through military service, for veterans, service members, and eligible spouses.
Explore VA Loans
USDA Loans
Rural financing for a home outside the city, in areas the USDA designates as eligible.
Explore USDA Loans
HUD 184 Tribal Lending
Home financing built for Native communities, helping you achieve homeownership while honoring your heritage.
Explore HUD 184
Land Loans
Finance the lot first and build when you are ready. Turn a piece of land into a plan.
Explore Land LoansRates change. See Current Rates for today’s figures.
Current Rates
First Mortgages
As low as
5.847%APR²
APR = Annual Percentage Rate. Rates effective 16 September 2026 and subject to change without notice. Monthly principal and interest is based on a $320,000 mortgage and excludes taxes and insurance, so the actual obligation is higher. Minimum loan $100,000, maximum $832,750, 720 minimum credit score, up to 80% loan to value, owner occupied single-family or conforming condo in CT or RI, first lien only. All loans subject to credit approval.
Apply for a MortgageView all first mortgage rates and payment examples
| Product | Term | Rate | APR | Monthly P&I |
|---|---|---|---|---|
| 30 Year Fixed Conventional | 30 Year | 6.25% | 6.309% | $1,970.93 |
| 20 Year Fixed Conventional | 20 Year | 6.25% | 6.329% | $2,338.97 |
| 15 Year Fixed Conventional | 15 Year | 5.75% | 5.847% | $2,657.31 |
| 10 Year Fixed Conventional | 10 Year | 5.75% | 5.888% | $3,512.62 |
Not sure which one fits? Ask a Waypoint Credit Union representative for additional details.
Local decisions. Servicing varies by loan type.
A Waypoint lender will look at what you are trying to do and tell you which option costs you least, including ones we do not advertise heavily. Book a time at any branch, or start online.
Important Disclosures
Equal Housing Lender. NMLS #404962.
APR = Annual Percentage Rate. Rates are accurate as of 16 September 2026 and are subject to change without notice. APR may be higher due to per diem interest.
Monthly principal and interest is based on a $320,000 mortgage and includes principal and interest only. It does not include insurance and taxes, so the actual payment obligation will be higher.
Minimum loan amount $100,000. Maximum loan amount $832,750. 720 minimum credit score and up to 80% loan to value for a qualified loan. Owner occupied, single-family home or conforming condominium in Connecticut or Rhode Island only. First lien position only. All loans are subject to credit approval.