Mortgage Lending
Your home loan needs are as unique as you.
Opportunities Credit Union helps you navigate the process of buying a home in Vermont. Whether you’re a first generation home owner or first time home buyer, our loan originators are some of the best in the business, and can get your mortgage signed, sealed, and delivered fast.
We can help you with…
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Fixed Rate Loans
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Adjustable Rate Mortgages (ARMs)
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Energy Efficiency Improvement Loans
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Home Improvement Loans for Smaller Needs
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Manufactured Home Loans
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Down Payment and Closing Cost Assistance
MORTGAGE LOAN RATES
| PRODUCT | TERM | RATE | APR% | POINTS |
|---|---|---|---|---|
| Single Family(SF) Conventional Fixed | 30 yr 20 yr 15 yr 10 yr | 5.875%* 5.750%* 5.375%* 5.00%* | 5.984% 5.895% 5.556% 5.250% | 0% |
| SF 7/1 ARM | 30 yr | 4.50% | 4.601% | 1.00% (0% on Shared Equity Homes) |
| 2-4 Unit 7/1ARM OO (Owned by an Individual) | 30 yr | 4.50% | 4.640% | 1.50% |
| 2-4 Unit 7/1ARM NOO (Owned by an Individual) | 30 yr | 4.50% | 4.727% | 2.50% |
| 20 Year Conventional 1-4 Units | 20 yr | 4.375% | 4.475% | 1.00% |
| 15 Year Conventional 1-4 Units | 15 yr | 3.99% | 4.088% | 1.00% |
| Mobile Home in a Park/Co-op | 10 yr | 9.99% | 10.551% | 1.50% |
| 3/1 ARM | 30 yr | 3.990% | 4.088% | 1.00% |
| 5/1 ARM | 30 yr | 4.375% | 10.551% | 1.50% |
*Subject to change based on credit scores, property type, loan to value and the US economy.
Loan Rates Schedule highlights current conditions, rates, fees and charges applicable to some of the popular loan products at Opportunities Credit Union at this time. The Credit Union may offer other rates and fees or amend the rates and fees contained in this schedule from time to time. Rates are variable and subject to change without notice. Contact our lending team to qualify for a product that meets your needs.
