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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.

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.

Fixed, ARMs, Jumbo

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.

Mortgage Loan Promotions

5.99% APR on Conventional Mortgages and Refis

*Available to all borrowers on the purchase or refinance of a primary residence or second home using a conventional portfolio loan product with Vibe Credit Union, valid on applications taken by or before May 31, 2025. Applicable loans must close within 90 days of promotion end, no later than August 29, 2025. Example is based on a $237,500 loan with a Conventional 30-Year fixed rate term (360 monthly principal & interest payments of $1,422.41, not including taxes and insurance); annual percentage rate (APR) of 6.587%. The down payment assumes 5% cash required by the borrower with 95% financing. This is not a commitment to lend. All lending products are subject to credit and property approval. Refinancing an existing mortgage loan may cause the total finance charges to be higher over the life of the loan. Additional restrictions may apply. Vibe Credit Union reserves the right to end this promotion at any time. Vibe Credit Union (44575 W. Twelve Mile Rd., Novi, MI 48377 | (248) 829-1450 | NMLS ID# 405039). For licensing information, please visit www.nmlsconsumeraccess.org. Equal Housing Opportunity.

First-Time Home Buyer Mortgage

There's a first time for everything, including your first home! 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.

Flexible terms up to 30 years.
Loan amounts up to $300,000.
No private mortgage insurance required.
Up to 105% Combined loan-to-value.

Get started with a pre-approval today by selecting one of our loan officers from 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: