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 Mortgage@oppsvt.org

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System Upgrade!

May 2, 2022

Mobile Banking and Ebanking will be unavailable the weekend of May 20th To better serve, our members, Opportunities Credit Union is upgrading our systems Saturday, May 21, 2022 & Sunday, May 22, 2022 What this means for you: Potential interruption of your access to your account information and funds. We appreciate your patience and apologize […]

Salt & Bubbles

February 23, 2022

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 place for her employees and guests. Kayla turned to Opportunities Credit Union as a financing partner and was pleased to experience the hands on process […]

Hinterland Bridal

February 23, 2022

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 plan. At Opportunities you are not just a number, and we spend the time to understand every project. Equipped with the right financial education we […]




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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

 
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