It’s hard to beat the thrill of walking into your brand new house for the very first time. Vibrant can help get you there with a range of conventional mortgage options. 

It’s never too early to start planning that housewarming party. 

We've got options for every buyer

  • Fixed Rate Loans: your typical mortgage paired with our great rates
  • Adjustable Mortgage Rates: perfect for those who don't want to commit to the current rate
  • FHA: work with your full service local mortgage originators on your new FHA loan
  • Low Down: 3% down, no PMI needed... for real
  • USDA Rural Development Loans: for those living in rural areas 
  • Veterans Affair (VA) Loans: we're proud to offer VA Loans to Veterans and eligible spouses
  • Jumbo Mortgage Loans: for loans greater than $453,100

Let's get started. Talk to one of our resident mortgage gurus! 

Making your dream house a reality

Mortgage Rates
Fixed RateRate As Low AsAPR As Low AsMonthly Payment per $10,000 Borrowed
30 years4.375%4.390%$49.93
20 years4.250%4.270%$61.92
15 years4.125%4.150%$74.60
10 years3.990%4.274%$101.20
ARM Rates
3/1 ARM3.500%4.946%$44.90
5/1 ARM3.750%4.717%$46.31
7/1 ARM4.250%4.638%$49.19
Veterans Affair (VA)
30 years4.000%4.191%$47.74
30 years4.000%4.350%$47.74
3% Down Homebuyer Loan
3/1 Lowdown ARM4.500%5.190%$50.67
30 years4.000%4.732%$47.74

Rates quoted are effective as of  February 11, 2019, unless otherwise noted and may vary with amount of loan and loan-to-value ratio LTV. 45 day lock. Rates quoted based on $100,000 mortgage, 80% LTV, 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. 

Adjustable Rate Mortgage (ARM) are subject to change and may increase following the conclusion of the fixed period stated above.  

Veterans Affair (VA)-  Available for active military and veterans. 

USDA Loan- 100% financing for Purchase and Refinance. Property eligibility can be found at

3% Down Homebuyer- 3% down payment, owner occupied single-family property. No Private Mortgage Insurance. 

Ready to start down the road to home ownership?

The mortgage process

After you’ve applied and been approved for a mortgage, it’s time to get an appraisal. This consists of a third-party home appraiser coming and telling you (and us) how much the house you are looking to buy is worth. The number the appraiser ultimately comes up with is based on a lot of things such as location, size, selling price of comparable homes, etc. 

Once your target home’s value is determined, Vibrant will extend a percentage of it to you as a loan. The maximum percentage you qualify for is reliant on a number of factors, so the best way to find out the details of your mortgage situation is to apply early!

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. 

We've got savings options, too!

We make saving for your dream home easy!  Our First Time Home Buyer's Savings Account is a tax-advantaged, interest bearing option to help get you into that house that checks off all the boxes even quicker! If you're not quite ready to purchase, start saving now!

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 takes to recoup the savings from a lower mortgage rate or shorter term. A typical refinance is going to cost around 3%-6% of your mortgage principal, but that cost can be worth it in the long run. 

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.