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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Waking Windows

March 23, 2018

Waking Windows started as a small, 12 day long festival at The Monkey House in Winooski VT in 2011 and has grown into a multi venue, multi city series of events promoting music, comedy, art, food and drink.

Winooski Small Business Loan Program Now Open

March 22, 2018

The Winooski Small Business Loan Program is currently accepting applications. This program expands the City’s commitment to economic vitality by providing access to financing for new and existing businesses in Winooski.

Nest Coffee and Bakery

July 21, 2017

Jake, owner of the Firebird Cafe, opened Nest Coffee and Bakery after realizing that what the community of Essex Junction needed and wanted was a coffee shop. He sought the support of Opportunities Credit Union to help make his dream of a coffee shop a reality.




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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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