Opportunities Credit Union

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Mortgage Lending

Crack open your perfect home!


How does the process work?

It is usually easiest to gather the following information: (most recent 2 paystubs, last 2 years’ tax returns, information about your current monthly bills, your asset and your employer’s contact information. We will review your information and contact you to discuss products that may meet your needs. Applying has never been easier easier please follow this link HERE. to fill out an application. We look forward to working with you!

How much can I afford to pay for my home?

Generally speaking, your monthly payment should not be more than 1/4th (25%) of your monthly income. For a range of home prices based on your down payment and monthly budget try our handy Opportunities Mortgage Tools HERE.

How much money do I need?

Depending on the program you are eligible for, you may not be required to make a down payment. Ideally, it’s best to have at least 20% down, which may lower your monthly payment, interest rate and lower the total interest you’ll pay over the life of the loan.

What are your interest rates?

You may look at our current rates; however, rates are subject to change without notice. Your rate may be higher if you do not elect an automated payment or if your credit score is lower. Other restrictions and fees may apply. Our lending staff can discuss current rates and how to lock in your interest rate.

ProgramMaximum Term (Years)InterestAPR
30 Year Fixed304.125%4.167%
20 Year Fixed203.875%3.932%
15 Year Fixed153.375%3.322%
10 Year Fixed103.125%3.104%

How can I apply?

Applying has never been easier. Just click the “Apply Now” button below and start your application today. We look forward to working with you!

Apply Now

How do I contact you to discuss my specific needs?

You may call us at (800) 865-8328, Monday through Friday from 8:30am to 5pm or email us anytime at Mortgages@oppsvt.org

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Challenges of Finance Being a Single Working Mom

January 13, 2021

The author of this blog qualified for an auto loan after working with Andrea Heller, our Money Sense Manager, to tackle bill paying and face down a creditor. I am a single mother and an educator. My child has complicated health and educational needs. We have moved many times in the past two decades, and […]

What do you think about financial counseling?

December 14, 2020

I started financial counseling during the foreclosure crisis in 2008. A decade ago many of my clients felt isolated by their financial struggles. It was challenging for adults who struggled with their finance to find professional assistance, and the area of personal finance appeared to be an exclusive world. Today, I hear more people speaking […]

Simple 5 Loan – Get a quick loan to help out this holiday season

November 21, 2020

The weather has gotten cooler, and we’ve taken out our winter clothing. The holiday season is coming up, and so is the snow. At Opportunities Credit Union (OCU) we’re working hard to wrap up 2020, and we continue to innovate ways to best serve our customers.   This time of year can be difficult for […]




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1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

REPORT A LOST OR STOLEN CARD
1.800.528.2273
1.800.889.5280 (Fraud Prevention Hotline)
1.800.MasterCard

Routing Number - 011692588

 
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