A home is your biggest asset. A Vibe Home Loan is the key to making the most of it.
The Dream Loans for Your Dream Home
Our local Real Estate Lending Specialists will help you choose the mortgage that’s right for you. We want to help you put down roots, so we have low fixed or variable interest rates with terms from 5 to 30 years and special programs (VA, FHA, HomeReady®, Jumbo, Construction, Bridge, etc.) to meet your unique needs.
Begin your search for your place to call home knowing what you can afford. Peace of mind and buying power is fast and free with a Vibe Pre-Approval.
Plus, get $100 off your closing costs just for having a Vibe Checking Account.
We also partner with Member First Mortgage (MFM) to bring our members' a wide range of mortgage programs, competitive rates, and excellent service! Through our partnership with MFM, a Credit Union owned mortgage lender, we offer a variety of home loan options to fit your unique needs and goals, including VA, FHA, and loans for properties outside of Michigan.
Contact Amanda Everett at 248.829.1324 to learn more about these programs.
As your home appreciates and you pay down your first mortgage, you create something powerful: Equity. Tap into your home’s equity with no annual fee.
Equity 1st Loan: Refinance your home, even if it is paid off, and cash out equity. Vibe's Equity 1st Loan lets you do it all for only $200. Period. You can take advantage of our low rates and use your equity for home improvements, vacations, RV or vehicle purchases.
- Flexible terms up to 20 years and low monthly payments
- Loan amounts up to $300,000
- Finance up to 95% of your home's value
Offer valid until 6.28.19. This offer cannot be combined with other offers. May exclude existing Vibe, including previous Oakland County Credit Union, real estate loans. New members must qualify for membership and deposit $5 in a Vibe Savings Account. All loans are subject to credit, underwriting and property approval guidelines. Promotional details are subject to change without notice.
Home Equity Term Loan: Use the equity from your biggest asset to borrow money for home improvements, consolidate debt, or make another large purchase. Low fixed rates, flexible terms up to 20 years, and set payments make a home equity term loan easy to fit your budget.
Home Equity Line of Credit (HELOC): Get ready, get set, go! When you want to have money ready and waiting, a variable rate line of credit is perfect to have in place.
Home Loan Calculators
What if? Get your answer by crunching numbers with our Home Loan Calculators.
From application to closing and beyond, we want you to be comfortable with your borrowing decision. Learn more and become an expert borrower.
Loan Program FAQs
Closing and Beyond
Glossary of Terms
NMLS ID: 405039, 149532