CONSIDER AN OPPA CREDIT UNION MORTGAGE PACKAGE

Available Until September 30th, 2010

Mortgage Package Details

• Competitive fixed and variable rate mortgages
• 1 YEAR FREE unlimited Chequing
• We will COVER UP TO $200.00 towards your closing costs*
• Transfer your mortgage to the OPPA Credit Union from another financial institution and WE WILL COVER THE TRANSFER FEE**
• Open a TFSA savings account with as little as $25.00 from each pay/pension and we will deposit a $25.00 BONUS*** into your account on your first deposit date
• ENTER TO WIN an OPP Photo Mural Print ($150.00 value) 

Mortgage Options Available 

• Conventional Mortgage
• High Ratio Mortgage
• Construction Mortgage
• No down payment - Cash Back Mortgage
• Fixed rate closed mortgage
• Open and closed variable rate mortgages
• Amortized up to 35 years

Benefits Of Having An OPPA Credit Union Mortgage

Advice You Can Trust - Your Member Service Advisor will provide you with advice each step of the way, from helping you understand your options, to mortgage pre-qualification and all the way through finalizing your mortgage.

Competitive Rates - we offer very competitive rates

90 Day Interest Rate Guarantee - If you're pre-qualified before buying your home, we'll guarantee your rate for 90 days.

Pre-Payment Privileges - you may pay up to 20% of the original principal amount of your mortgage once a year.  You may also double up your payments on your regular scheduled payment dates without penalty.

Blend And Extend Your Mortgage -  our members have the option to blend and extend their mortgage with NO penalty.  Most financial institutions don't offer this option.

Mortgage Pre-Qualification

If you're thinking about buying or building a home, you should obtain a pre-qualified mortgage.  With a pre-qualified mortgage you will:

• Know how much you can afford to purchase
• Know what your payments will be
• Recieve a 90 day guaranteed interest rate at today's rate (or lower if rates drop)

To begin your mortgage pre-qualification, complete the online mortgage application and your Member Service Advisor will contact you to discuss further.

For advice on which mortgage option is best for you, please contact your Member Service Advisor For Advice You Can Trust.  

*The OPPA CU will cover up to $200.00 towards the closing costs of a home purchase.  Terms and conditions apply.  **The OPPA CU will cover ther transfer fee if your mortgage is assignable and you are not increasing your mortgage.  ***Must be opening a New TFSA savings account with a minimum payroll/pension deduction of $25.00.  The CU will deposit $25.00 into your account on the first deposit date.  The $25.00 bonus starts earning interest on deposit, but is unavailable for withdrawal for 6 months.  Only one deposit per household.  Offer may be withdrawn without notice.