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Mortgage Lending

Opportunities Credit Union provides local, personalized service to help you navigate the process of buying a home in Vermont. Our loan originators are some of the best in the business, and can get your mortgage signed, sealed, and delivered fast.

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Fixed Rate Loans

Our fixed rate mortgages allow you to finance your home knowing that your payment will remain the same for the life of the loan.

Flexible terms are available giving you choices for how quickly you pay back your mortgage.

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Adjustable Rate Mortgages (ARM’s)

Our Adjustable Rate Mortgages are a great financing option to lower payments at the beginning of your mortgage and these lower initial payments may help you pay for other expenses when you first purchase your home.

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Energy Efficiency Improvement Loans

We offer several easy, affordable financing options that are perfect for solar projects, heating systems, insulation and other improvements.This financing is often much more affordable than a credit card, consumer or personal loan.

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Home Improvement Loans for Smaller Needs

Sometimes you have a small project or home upgrade and you need a loan that is quick and easy. We have options that cover many of the small projects you are looking to make on your home.

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Manufactured Home Loans

We offer several options for financing your mobile (manufactured) home.

Whether your home is on your owned land or if you lease from a park, we offer flexible financing terms.

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Down Payment and Closing Cost Assistance

Saving for your down payment and closing costs may be a barrier to home ownership. Through our partnerships, we offer grants and assistance that may help turn your dream into a reality. Find out if you are eligible!

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Frequently Asked Questions

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 linkHERE . 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.

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!

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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

Mortgage Calculator

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)APR
30 Year Fixed303.75%
15 Year Fixed152.875%
Energy LoansUp to 20As low as 0.00%


Category: Home mortgage

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