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

How can we help you?


Purchase a home

Explore our fixed-rate loans and lock in a consistent monthly payment.

Refinance a home

Already own a home? Our fixed-rate mortgage refinance can help you do more.

Tap into equity

Need cash for an emergency or a home upgrade? We can help you set up a home equity line of credit (HELOC).

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


We can close on some mortgages and mortgage refinances in as little as a couple of weeks. If you're setting up a new HELOC, it will take about 1 week to finalize your loan and receive access to your line of credit.


girl holding keys

You got your dream home. Now make sure it's protected.

Finding the right homeowners insurance is an essential part of the homebuying process. We’ll review plans from the nation's top insurers to help make sure you get the right coverage at the right price. 

Helpful resources

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.

Buying a home

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. 

How does my credit score affect my mortgage application?

Your credit score is based on information collected by credit bureaus from your creditors, which is then compared to millions of other consumers to determine your creditworthiness.  

Some of the things that affect your credit score include your payment history, your outstanding obligations, the length of time you have had an account, the types of credit you use, and the number of inquiries about your credit history in the recent past. 

Using credit scores to evaluate your credit history allows us to quickly and objectively evaluate your credit history when reviewing your loan application. However, there are many other factors when making a loan decision. We will never evaluate an application without looking at your total financial picture. 

Can I borrow funds to make my down payment?

Yes, you can borrow funds to use as your down payment! However, any loans that you take out must be secured by an asset that you own. If you own something of value that you could borrow funds against, such as a car or another home, it's a perfectly acceptable source of funds. (If you are planning on obtaining a loan, make sure to include the details of this loan in the Expenses section of the application.) 

Can a self-employed person get a mortgage?

Yes, provided you can document at least one, and sometimes two, full years of net income from your employment. Generally, we ask for copies of your personal (and business, if applicable) federal tax returns.  

We won't be able to consider any income that hasn't been reported as such on your tax returns. 

I’m relocating to a different city for a new job. Can I apply for a mortgage even though I won’t have worked there for long?

If you’ll be working for the same employer, all you need to do is update the income you’ll be receiving in your new position. 

If you’ll be working for a new employer, complete the application as if this were your current employer and indicate that you have been there for one month. The information about the employment you'll be leaving should be entered as a previous employer. We'll sort out the details after you submit your loan for approval.

I’ve changed jobs frequently. Do I have to stay with an employer two years before I can get a mortgage?

Changing employers frequently is typically not a hindrance to obtaining a new mortgage loan, especially if you’ve made those changes without periods of unemployment between positions.  

One potential exception: If you're paid on a commission basis, a recent job change can make it difficult to predict your future earnings with that employer. 

Opening a HELOC

Is there an application fee or closing costs?

That depends on your current mortgage balance. The total sum of your HELOC and your mortgage balance cannot exceed 100% of the fair market value of your home.  

It's also important to make sure you don't borrow more than you can afford to repay. Your monthly minimum payment will equal 0.75% of your HELOC balance.  

Another thing to remember—because this is a variable interest rate loan, your financing costs will fluctuate if you carry a balance. Talk with your banker about your target monthly payments. 

Do I have to use my HELOC on home improvements?

No, you can use the funds for whatever you choose. 

What documentation will I need to provide?

In addition to information about your employment history, W-2s and pay stubs, bank statements, and information about other outstanding debts like car loans or credit cards, you’ll need to prove that you own the property you’re borrowing against and that it is adequately insured. 

Will my property need to be appraised before my HELOC is approved?

Yes, but depending on your property, we may be able to complete the process online rather than through a full in-person appraisal.