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Lending Center


Home Loans

Save up to $400* on your home loan.


Get a low rate and amazing service from your local mortgage lender. Whether you need a mortgage to purchase a home or want to refinance the mortgage on your current home, you will receive $200 off your closing costs. Plus, get an additional $100 for having a Vibe checking account.

Get maximum savings and get $100 On Time Bonus when you make your first 12 payments by the payment due date.

Free Pre-Approvals

Get a free pre-approval before you look for your new home. With a pre-approval, you will know how much you can afford and it will make buying a home easier.


We have a wide variety of flexible term loans with fixed or variable interest rates, so you can get a payment that fits your budget.

Home Equity

Your home is an investment. With property values on the rise, the reward of your investment awaits. At Vibe, you have two convenient ways to borrow the equity you have earned in your home to make life easier and reach for possibilities.

Learn more about which home equity loan is right for you:

Home Loan Calculators

Use our calculators to help you decide which mortgage option is best for you.

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Your Property

Learn about how an appraisal and other factors play a part of the lending decision.

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Loan Program FAQs

Find the loan that is best for you by using this helpful information.

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Closing and Beyond

After your loan has been approved, you can learn more about the closing process.

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Your Application

Gather the information that is required to complete your application.

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Glossary of Terms

View a list of commonly used terms that are used throughout the home loan process.

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Home Inspectors

Get a home inspection on your home before you buy.

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You can't see, smell or taste Radon gas, but you can learn how it can be detected.

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Home Security System

Learn how to choose the Home Security System that's right for you.

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*Limited time offer. Offer valid for mortgages over $50,000. Offer valid for mortgage applications received 5.15.17 through 8.31.17, and must be closed on or before 10.31.17. Not valid on home equity loans. New members must qualify for membership and deposit $5 in a Vibe Savings account.

Home Loans
Click each link to learn more.
Rates as low as:


Click below to get mortgage term, rate, and payment options.

Personalized Quote

On Time Bonus
Make your mortgage payment on time for the first 12 months and we'll give you a $100 On Time Bonus!
Quick Pay Loans
Take advantage of super low rates to pay your mortgage off sooner with our unique 5 and 10 year Pay-Off Loans. You may just be surprised by what you can afford.

Vibe NMLS ID: 465960

Employee NMLS ID's:
597489  Dawn Bates
597490  Patrice Ford
597497  Melissa Montano
583747  Donald Oleske
597533  Catharine Richards
1107749 Katie Kett



Rates That Rock!

We offer rates as low as:

New/Used Auto1.99% (%tr%span class='xsmall')APR(%tr%/span)
Boat/RV Loans1.99% (%tr%span class='xsmall')APR(%tr%/span)
Personal Loans8.17% (%tr%span class='xsmall')APR(%tr%/span)
Visa(sup)(/sup) Platinum10.25% (%tr%span class='xsmall')APR(%tr%/span)

View more rates 
and get details.

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EHO - We do business in accordance with the Fair Housing Act and Equal Credit Opportunity Act.
NCUA - Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.
44575 W. Twelve Mile Road Novi, MI 48377  I  Privacy Policy/Disclosures  I  © 2017