Take a break from your bills. Learn more about Skip-a-Pay Log in Menu Thumbnail Find your happy place Buy a home, refinance a home, or use the value of your home to do more. Apply now Why choose a mortgage with Vibrant? Fast & friendly service Low fees & competitive rates Down payment assistance of up to $6,000 for qualified members In-house servicing for most loans Apply for a home loan Which home loan is right for you? Icon .cls-1{fill:url(#linear-gradient);}.cls-2{fill:url(#linear-gradient-2);}.cls-3{fill:url(#linear-gradient-3);}.cls-4{fill:url(#linear-gradient-4);}.cls-5{fill:url(#linear-gradient-5);}.cls-6{fill:url(#linear-gradient-6);}.cls-7{fill:url(#linear-gradient-7);} Adjustable-rate Advantages Lower monthly payments Take advantage of falling rates without refinancing May allow you to qualify for a larger mortgage Rates as low as 2.500%* Icon .cls-1{fill:url(#linear-gradient);}.cls-2{fill:url(#linear-gradient-2);}.cls-3{fill:url(#linear-gradient-3);}.cls-4{fill:url(#linear-gradient-4);}.cls-5{fill:url(#linear-gradient-5);} Fixed-rate Advantages No chance that rising rates will increase your monthly payment Lock in a great rate with the option to refinance later Rates as low as 2.375%* Icon .cls-1{fill:url(#linear-gradient);}.cls-2{fill:url(#linear-gradient-2);}.cls-3{fill:url(#linear-gradient-3);}.cls-4{fill:url(#linear-gradient-4);}.cls-5{fill:url(#linear-gradient-5);}.cls-6{fill:url(#linear-gradient-6);}.cls-7{fill:url(#linear-gradient-7);}.cls-8{fill:url(#linear-gradient-8);}.cls-9{fill:url(#linear-gradient-9);}.cls-10{fill:url(#linear-gradient-10);}.cls-11{fill:url(#linear-gradient-11);} 10 & done refinance Advantages Fixed rate Low fees Doesn’t require a full appraisal May enable you to own your home faster Rates as low as 2.500%* Apply now Show more rates What to expect Previous Icon Gather your documentation (2 years of W-2s or federal tax returns, pay stubs from the last 30 days, 2 months of bank statements) Next 1 2 3 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. Read more 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. Read more 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. Read more FAQ Should I get preapproved for a mortgage before I choose a home? What’s the difference between getting prequalified for a mortgage and getting preapproved for a mortgage? Are there other fees that are associated with a mortgage? Message us Give us a call Find a location Help Member resources FAQ Contact us Rates About We are Vibrant Events Blog & news Sitemap Careers Careers Benefits Core values Open positions Legal Disclosures Privacy policy Business Service Agreement Member Service Agreement Get in Touch 800-323-5109 hello@vibrantcu.org © 2021 Vibrant Credit Union. All rights reserved. Federally Insured by NCUA. Equal Housing Opportunity.