Mortgages

Looking to purchase a new home? We offer traditional mortgages serviced by CUSO Home Lending. Experience personalized service, affordable rates, and flexible financing!

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Necessary Documents

  • Deed
  • Property tax bill
  • Pay stubs/2 years of tax returns (if applying jointly, for both individuals)
  • Homeowners insurance with premium
  • Current mortgage statement

CUSO Real Estate Rates

Real Estate Loan Rates


Secured by Real Estate
Rates effective 9/29/2026
Loan TermAnnual Percentage RateSample Payments per $10,000 borrowed
15 years as low as6.50% APR*$87.17 for 180 months
20 years as low as6.75% APR*$76.10 for 240 months
30 years as low as6.85% APR*$65.59 for 360 months

 An appraisal may be required at a cost of $400. Additional fees include a title search, flood determination, and recording of the deed. Closing costs vary.

*(APR) Annual Percentage Rate. Above Real Estate Rates are subject to change without notice. No finance charge fees apply.

Join Us & Experience the OTIS Advantage

If you live, work, worship, or attend school in Androscoggin, Cumberland, Franklin, Kennebec, Lincoln, Oxford, Sagadahoc, Somerset, or York County, you are eligible to become a member of OTIS FCU. Immediate family members, regardless of geographic location, are also eligible. We look forward to meeting you!