Mortgage

Personal Mortgages made Simple.

Whether you are buying your first home or finding your next Up North getaway, our Michigan-based mortgage team is here to guide you with clear answers.

Your Michigan home journey begins with Vibe.

 
Through our partnership with Member First Mortgage, members can access a full lineup
of mortgage options like VA, FHA, and financing for properties outside of Michigan.


Take the first step towards home.

Get your home financing application rolling with a pre-approval.
 
Connect with one of our local loan officers by calling
248-735-9500 or apply with them directly with the links below.




Conventional & Adjustable Rate (ARM) Mortgages

Whether you're purchasing your first home, upgrading your space, or refinancing, Vibe offers mortgage solutions that fit the way you plan. Choose from stable, predictable payments with a Conventional Fixed-Rate Mortgage or take advantage of lower introductory rates and flexible terms with an Adjustable-Rate Mortgage (ARM). Whatever your path looks like, our team is here to help you make a confident, informed choice.
Consider Conventional:

  • Same interest rate for the entire loan term

  • Monthly payment never changes

  • Ideal for long-term homeowners

  • Available in a variety of term lengths

  • Competitive rates and low closing costs

  • Government-backed FHA and VA loans are available
Consider an ARM:

  • Lower introductory interest rate

  • Rate adjusts after the initial fixed period (e.g., 1, 3, 5, 7, or 10 years)

  • Potential for lower upfront monthly payments

  • Can be a cost-effective choice for shorter stays or future refinances

  • Flexible terms to match your timeline

NMLS ID: 405039 & 149532 All rates are based on individual credit history and the loan-to-value ratio. Rates are subject to change without notice. New members must qualify for membership and deposit $5 into a Vibe Savings Account. Equal Housing Opportunity.

Affordable Flex Home Loan

Owning a home shouldn’t feel out of reach. The Affordable Flex Home Loan is built for members who need a realistic path into homeownership with low or zero down payment options, competitive rates, and the ability to roll closing costs into the loan. It’s designed to expand access, support long-term stability, and open the door for more people to build generational wealth in the communities we serve. 

  • Low or zero down payment

  • Competitive adjustable or fixed rates

  • Option to include closing costs in the mortgage

  • Flexible terms up to 30 years

  • Loan amounts up to $200,000
  • Available for primary residence only; must be located in Michigan
  • Escrow and full-coverage homeowners insurance required



First-Time Home Buyer Mortgage

A home loan made for your first big move, designed to guide you from dreaming to owning.
  • Flexible terms up to 30 years
  • Loan amounts up to $300,000
  • No private mortgage insurance required
  • Up to 105% Combined loan-to-value

Physicians Mortgage

A home loan made for life in scrubs, built to support you from your first shift to your forever home.
 
  • 100% financing up to $500,000
  • No Private Mortgage Insurance required
  • No escrow required

 
 


Mortgage Resources Made For You

Need to check the status of your application?
Not sure how much you can afford? We can help!
Looking to learn more about mortgages & home ownership?
















Your Mortgage Questions, Answered

Your approval amount is based on factors like income, credit history, and your existing financial commitments. We review everything together to help you understand what fits comfortably within your budget.
Your rate depends on things like credit score, loan type, and down payment. We’ll walk you through your options so you know exactly what to expect.
Down payment requirements vary by loan program. Low and no down payment options are available, and we’ll help you find the one that aligns with your goals.
Most applications require income information, employment history, bank statements, and a valid ID. Having these ready helps keep the process moving smoothly.

Yes. A pre-approval gives you a clear price range and strengthens your offer when you find the right home.

Timelines vary, but many members can move from application to closing in just a few weeks. We keep you informed every step of the way.
Your payment depends on the loan amount, rate, term, taxes, insurance, and any association fees. We break everything down so you know what to expect before you commit.
A credit check is part of the mortgage application process. It’s a normal step, and we’re here to answer any questions about how it works.