Home Loans

At Vibrant, we understand that it’s not just a mortgage for you. It’s a home. That’s why we are committed to tailoring a plan to fit your needs. Work with us, and we’ll walk with you every step of the way — right up to the front door of your new home.
 
We've got you covered with:

✔ Low rates 

✔ Wide selection 

✔ Excellent service 

FREE insurance quote

Low rates to help you save.

Mortgage Rates
Adjustable RateRate As Low AsAPR As Low AsMonthly Payment Per $10,000 Borrowed
5 year ARM2.250%2.375%$38.22
7 year ARM2.500%2.625%$39.51
Fixed Rate Purchase
30 years2.875%3.951%$41.49
20 years2.625%2.731%$53.60
15 years2.250%2.384%$65.51
10 years2.000%2.194%$92.01
Fixed Rate Refinance
30 years3.000%3.149%$42.16
20 years2.625%2.731%$53.60
15 years2.375%2.410%$66.09
10 years2.250%2.447%$93.14

Rates quoted are effective as of May 3, 2021 unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 60 day lock. Rates quoted based on $150,000 mortgage, 80% LTV, 740 credit score, owner occupied only. Annualized Percentage Rate APR includes interest, certain fees and points as applicable according to federal law. Payments displayed do not include taxes and insurance, actual payments may be greater. $595 origination fee.

Ready to take the first step?
Home Equity Line of Credit (HELOC) Rates
Term/FinancingAPR As Low AsMonthly Payment Per $10,000 Borrowed
Fixed Rate HELOC
80% Financing2.750%$100.00

APR may vary with credit score and loan to value ratio. 

*Per $10,000 borrowed payment based on 1% of the loan balance. 

**HELOC can go up to 100% LTV. All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. $5 Membership required for all consumer loans. $100 application fee.

Want to open up funds for your next big purchase?
Home Equity Loan Rates
Term/FinancingAPR As Low AsMonthly Payment Per $10,000 Borrowed
Fixed Rate
5yr Term Up to 80% LTV3.490%$181.87
10yr Term Up to 80% LTV3.990%$101.20

**All rates and terms subject to change without notice, and all loans are issued subject to credit approval. Normal lending guidelines apply. LTV= Loan to Value. APR may vary with credit score and loan to value ratio.  Property and flood insurance may be required. $5 Membership required for all consumer loans. There is an application fee of $100. 

Ready to get started?

 

Options for every borrower.

 

Conventional Loans

 Everything you need from a mortgage, paired with the most competitive rates! With as little as a 3% down payment, the conventional mortgage offers the largest variety of options.

Best for: Those hunting for low rates
✔ As little as 3% down
✔ Up to 30-year fixed-rate options

FHA Loans

These loans are backed by the Federal Housing Administration (FHA) and need a minimum of a 3.5% down payment. 

Best for: Those with less than perfect financial histories
✔ Available with fixed or adjustable rates for 15 and 30 year terms 
✔ Offers money to cover closing costs

USDA Rural Development Loans

Backed by the U.S. Department of Agriculture, made to assist people in rural areas secure a home.

Best for: Low down payments in rural areas
✔ Up to 100% financing
✔ 30-year fixed rates
✔ May be able to roll your closing costs into your loan

VA Loans

We are proud to offer Veterans Affair (VA) Loans!

Best for: Military veterans, service members, and eligible spouses
✔ Up to 100% financing available
✔ No PMI required
✔ Fixed or adjustable rates options with a range of loan terms

 

Ready to take the first step?