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.

Ready to get started?