Opportunities Credit Union

  • Join Us
  • About Us
    • Frequently Asked Questions
    • Invest In OCU
    • Updates
      • News
      • Member Moments
    • Events
    • Board of Directors
    • Annual Report
    • Strategic Plan
    • Staying Secure Online
    • Careers
    • Forms & Disclosures
    • Contact
    • Locations & Hours
    • Why OCU?
      • Opportunities in the news…
  • E-Services
    • E-Banking
    • Mobile Banking
    • Mobile Deposit
    • File Exchange
    • Home Self Service
  • DEPOSITS
    • Savings Accounts
    • Checking Accounts
    • Pay it Forward CD
    • Check our latest rates
    • Fee Schedule
  • Loans
    • Business Loans
    • Home Loans
    • Personal Loans
    • Home Energy Loan by Efficiency Vermont
    • Energy
    • Winooski Housing Trust Fund
    • Check our latest rates
    • Fee Schedule
  • Financial Counseling
    • BusinessSense
    • Financial Counseling
    • Financial Workshops

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 Mortgage@oppsvt.org

Learn More

Forgot Password [?]

We put the person in personal lending

October 17, 2022

Check out our latest video about this heart warming story of one of our members that was in a pinch!   Learn More    

Salt & Bubbles

Kayla had a vision for a new wine and market platform. She wanted to make a wine bar that housed affordable, ethically made wines and a to create a meaningful […]

Hinterland Bridal

Here is the story of Hinterland Bridal shop in Burlington. Hinterland shop owner Zari found it difficult to get a loan with traditional banking, but she had a sound business […]




Inform

  • Opportunities
    • EServices
    • Locations & Hours
    • Blog
    • Stories
    • News
    • Events
    • Contact
  • PROGRAMS
    • Savings & Checking
    • Our Money Sense Program
    • Independence Fund
  • RATES & LOANS
    • Check our latest rates
    • Energy Loans
    • Personal Loans
    • Mortgage Lending
    • Business Lending
  • LEARN MORE
    • Frequently Asked Questions
    • Why OCU?
    • Invest In OCU
    • Funds Availability
    • Online Security
    • Privacy Policy
    • Luxury Expense Policy
    • Internet Gambling Notice

Explore

SHARE

VISIT

  

Connect

iphone_app_store  google_play
download youtube
Click For Locations and Hours

1.800.865.8328 Toll Free
1.802.654.4540 Direct
1.802.654.4551 Fax

REPORT A LOST OR STOLEN CARD
AFTER HOURS 1-888-263-3370

Routing Number - 011692588

 
© 2023 Opportunities Credit Union. All rights reserved. Site by Earthlogic.