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 | 6.125%* 5.875%* 5.750%* 5.625%* | 6.236% 5.984% 5.858% 5.732% | 0% 0% 0% 0% |
| SF 7/1 ARM | 30 yr | 5.99% | 6.100% | 1.00% (0% on Shared Equity Homes) |
| 2-4 Unit 7/1ARM OO (Owned by an Individual) | 30 yr | 5.990% | 6.146% | 1.50% |
| 2-4 Unit 7/1ARM NOO (Owned by an Individual) | 30 yr | 5.990% | 6.239% | 2.50% |
| 20 Year Conventional 1-4 Units | 20 yr | 5.875% | 5.984% | 1.00% |
| 15 Year Conventional 1-4 Units | 15 yr | 5.625% | 5.732% | 1.00% |
| 5/1 ARM | 30 yr | 5.875% | 6.362% | 1% |
| 3/1 ARM | 30 yr | 5.625% | 5.984% | 1.00% |
| Mobile Home in a Park/Co-op | 10 yr | 9.990% | 10.390% | 1.50% |
ARM-Adjustable Rate Mortgage, APR-Annual Percentage Rate
OO-Owner-occupied, NOO-Non-owner-occupied
This table reflects current rates, fees and charges applicable to most common loan products at Opportunities Credit Union. The Credit Union may amend the rates and fees contained in this schedule from time to time. Contact our lending team at lending@oppsvt.org to see if you qualify for a loan that meets your needs.
