FIXED-RATE MORTGAGE

Vectra Bank offers conventional home loans¹ with an interest rate that remains fixed for the life of the loan. That means the monthly payment for this conventional home loan doesn't change.

ADJUSTABLE RATE MORTGAGE

An adjustable rate mortgage¹, or ARM loan, gives you the combination of an initially low fixed-rate period with later adjustments makes an adjustable rate mortgage an attractive option for some customers.

EASY-TO-USE ONLINE APPLICATION

The Vectra Bank Zip Mortgage application process is an easy-to-use, online application that you can fill out in 10 to 15 minutes.

INCREASED DATA ACCURACY

Our 24-hour automated underwriting system, automated employment verification and asset verification, on top of increased data accuracy, gives you a convenient borrower experience.

FASTER MORTGAGE PROCESS

Our Zip Mortgage application process provides you with a faster, secured conduit for the upload of all your important personal documents and help with your credit report and loan pricing.

What to Expect:

• Easily walk through and complete your mortgage application
• Stay informed throughout the loan process
• Conduct research, access rates, and request information 24/7
• Send and receive documents
• Accelerate the application process by running your own credit report and online verification of assets