Mortgage Loans
A home is your biggest asset. A Vibe Home Loan is the key to making the most of it.
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 to meet your unique needs.
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 goals, including VA, FHA, and loans for properties outside of Michigan. To check the status of your completed application, click here.
Apply by choosing your loan officer below or call 248-735-9500 to learn more about these programs.
| Brittany Boka | Rod Mendoza | Danetta Maddox | Jennifer Otto |
Postcard Scam Alert: If you receive a postcard in the mail asking you to call about an "important matter" regarding your mortgage, this postcard is in no way affiliated with Vibe Credit Union or our partners, and we advise that you do not call the number listed or provide any financial information. If you have any questions or concerns about your mortgage, call or text us at 248-735-9500.
We offer a wide range of mortgage products, including Conventional Fixed Mortgages with terms ranging from 5 to 30 years, Adjustable Rate Mortgages (ARMs), and even a 30-year Jumbo Loan program.
Get started with a pre-approval today by selecting one of our loan officers from the selections above or by calling us at 248-735-9500.
$1,000 Closing Cost Credit on Conventional Loans*
Ready to take the next step in homeownership? Vibe is here to help! We’re offering a $1,000 closing cost credit on conventional loans, including cash-out and refinance.
High upfront costs shouldn’t stand in your way—that’s why we’ve made saving simple and straightforward. This limited-time offer is designed to help you keep more of your money while securing the home you’ve been looking for.
*Available to all borrowers using a conventional mortgage loan program only on a purchase or refinance transaction with Vibe Credit Union, NMLS ID#405039. Up to $1,000 off closing costs. Eligible loan applications must be submitted between 1/13/2025 and 3/31/2025. Offer valid for 45 days after application submission. This promotion may not be combined with any other promotion or offer. All loans subject to approval. Vibe Credit Union reserves the right to cancel this promotion at any time without notice. Additional restrictions may apply. Equal Housing Opportunity. Federally Insured by NCUA.
First-Time Home Buyer Mortgage
There's a first time for everything, including your first home! And we're here to help turn your dream of owning a home into a reality. Vibe's First-Time Home Buyer Mortgage offers adjustable and fixed-rate options with no down payment requirement and affordable closing costs.
Benefits include:
- Flexible terms up to 30 years.
- Loan amounts up to $300,000.
Get started with a pre-approval today by selecting one of our loan officers from the selections above or by calling us at 248-735-9500.
Affordable Flex Home Loan
The search for the place you'll call home starts by knowing what you can afford. Vibe's Affordable Flex Home Loan is designed with flexibility in mind to help home buyers become homeowners with adjustable and fixed-rate options. With no down payment requirement, your dream of homeownership has never been easier to afford.
Benefits include:
- Flexible terms up to 30 years.
- Loan amounts up to $200,000.
Call to discuss your options at 248-735-9500, or start your application by selecting one of the loan offices above.
Physicians Mortgage
Focus on healing, not housing, with Vibe’s Physicians Mortgage. As a medical professional, you dedicate your life to others. Let us help you secure your own future with a mortgage designed for your needs.
Benefits include:
- 100% financing up to $500,000.
- No Private Mortgage Insurance required.
- No escrow required.
Start your journey today with a pre-approval by selecting from a loan officer above or by calling us at 248-735-9500.
What if? Get your answer by crunching numbers with our Home Loan Calculators.
NMLS ID: 405039 & 149532
