We've got options for every buyer
Conventional Loans: everything you need from a mortgage, paired with the most competitive rates! With as little as 3% down payment, the conventional mortgage offers the largest variety of options.
FHA: with a down payment as low as 3.5%, an FHA loan is designed for low to moderate income borrowers, the perfect option for those with less than perfect credit scores.
USDA Rural Development Loans: for those living in rural areas, USDA loans are available to homebuyers with low to average income and offer up to 100% financing with reduced mortgage insurance premiums and below market mortgage rates. Plus, 0% down payment options available!
Veterans Affair (VA) Loans: created specifically for military veterans, service members and eligible spouses, we're proud to offer VA Loans! These loans have up to 100% financing available, no PMI required and typically lower interest rates.
Let's get started. We have designated specialists on hand to chat with you about all of your mortgage loans and questions including government programs! Apply online now! It’s never too early to start planning that housewarming party.
Be an attractive buyer with pre-approval
Even if you don’t have a particular house in your sights just yet, getting pre-approved for a loan can give you an edge over other potential buyers.
Apply for a mortgage online and we will send you a pre-approval letter that you can show to real estate brokers and sellers. This letter is your badge of honor, demonstrating your status as a qualified buyer. As a result, any offer you make on a house will have a little leg up on the competition.
Refinancing the right way
Want to take a second look at that mortgage you are already sitting on? We at Vibrant can help. Whether you are looking to capitalize on a lower rate, switch to an adjustable rate or cash in on some of your home equity, we are with you every step of the way. A refinance is usually a good idea for those who plan to stay in their home for a few more years. That's about how long it can take to recoup the savings from a lower mortgage rate or shorter term. Chat with one of our mortgage gurus about all of your options!
Do your homework
View this handy dandy home loan toolkit from the Consumer Financial Protection Bureau for information about shopping for and understanding a home mortgage.