woman holding house keys hugging husband

Find your happy place

Buy a home, refinance a home, or use the value of your home to do more.

Why choose a mortgage with Vibrant?

large home
  • Fast & friendly service 

  • Low fees & competitive rates

  • In-house servicing for most loans

Which home loan is right for you?






10 & done refinance

What to expect


Gather your documentation (2 years of W-2s or federal tax returns, pay stubs from the last 30 days, 2 months of bank statements) 


 Set aside 20 minutes to complete your application


Stay tuned for a call from our lenders while we review your application and verify your information

Featured articles

How much can I afford to spend on a house?

Depending on the type of mortgage you choose, you may be able to make a smaller down payment—but don’t forget closing costs.

3 types of mortgage loans for first-time homebuyers

The right mortgage for you depends on how much you want to spend, what kind of interest rates are available to you, and how much you can afford for a down payment.

First-time homebuyer mistakes to avoid

Buying your first home is likely to be stressful, but there are things you can do to make the process easier.


Should I get preapproved for a mortgage before I choose a home?

At Vibrant, getting a preapproval is free, can help you figure out how much you can afford to pay, and shows sellers that your offer is a serious one.

What’s the difference between getting prequalified for a mortgage and getting preapproved for a mortgage?

When a lender “prequalifies” you, they make the decision entirely based on what you tell them about your income, other creditors, and cash on hand. At Vibrant, our lenders go through the process of verifying your income, assets, employment, and credit history before we grant a preapproval, significantly reducing the possibility of last-minute surprises. 

However, your final mortgage approval is also based on the condition and location of the property you purchase, which will be determined by professional inspectors and appraisers after your offer is accepted. That’s why it generally only takes a couple of days to receive a preapproval but several weeks longer to finalize your mortgage.


Are there other fees that are associated with a mortgage?

Buyers can expect to pay for property inspections, appraisal, title and flood search, and closing costs unless their contract with the seller states otherwise. These fees can add up to several thousand dollars, depending on your home, and are typically paid in a lump sum at closing, along with your down payment.