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.
Best for: low rates
As little as 3% down
Up to 30-year fixed rate options
FHA: an FHA loan is designed for those with less than perfect credit and having a 3.5% down payment.
Best for: a low down payment
If you already have an FHA loan, an FHA Streamline is a good, low documentation option
Offers money to cover closing costs
Up to 6% of the purchase price
USDA Rural Development Loans: for those living in rural areas, USDA loans may be available to homebuyers with zero-down payment options.
Best for: low down payments in rural areas
Low mortgage insurance fees as compared to FHA
30-year fixed rate mortgage with low rates and fees
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
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.