IMPORTANT: Vectra Bank will be making security upgrades to our digital systems on Tuesday, June 23, 2020. To see how you can be prepared for this update, please click here. Thank you Vectra Bank.
ADJUSTABLE RATE MORTGAGES (ARMS)[cite::125::cite]
An adjustable rate mortgage loan is where the interest rate is fixed for the initial period and then adjusts annually or as specified thereafter. These mortgages have rates that fluctuate up and down with the market. Low initial interest rates, the ability to choose between different rates and a choice of several life–of–loan interest rate caps create an appealing alternative to our fixed–rate mortgage programs. In addition to one year adjustable, we also offer hybrid fixed rate plans including 3, 5, 7 and 10 year programs that provide an attractive combination of fixed and adjustable rate periods. The interest rate on an adjustable mortgage loan is typically lower than a fixed rate mortgage resulting in lower monthly interest payments.
For specific information contact a Vectra Bank mortgage loan officer.
LOCAL DECISION MAKING, FASTER RESPONSES
As always, our loan decisions are made locally. This means a faster turn–around time on decisions and ease in getting quick answers to any questions you have during the process.
HOME LOAN / MORTGAGE RESOURCES
Vectra Bank’s Mortgage Experts
Our friendly staff is here to help you with all your mortgage needs. We will use our expertise to find the right program for you. Meet your Loan Officer.
Home Purchase Basics
There are many important things to consider throughout the process, especially if you’re a first–time homebuyer. Click Here for some information that will keep you on track.
Home Mortgage Guide
This guide outlines the steps you can take to help secure your dream home and your ideal home loan. View the Home Mortgage Guide now!
Bank Owned Properties For Sale
Whether you’re a first time buyer, or a seasoned real estate professional, we may have the property you’ve been searching for. Vectra Bank maintains a list of bank–owned properties that are for sale to the general public at extremely attractive prices. Go ahead, make an offer!
Mortgage Servicing
If you already have a mortgage with us, access your loan information on-line conveniently. Click here to access the Loan Portal now.
Check Loan Status
Please click here to log in to check the status of your loan or view messages from your originator. You must have a valid user account to view the status page. Contact your loan officer if you do not have an account.
Mortgage Calculators
Spend less time managing your money and more time enjoying it, calculate loan payments and so much more with these helpful calculators. Click here to view the calculators.
Mortgage Glossary
Vectra Bank's Mortgage Glossary will help you better understand the meaning behind complex and unfamiliar mortgage industry terms. All the Lingo You’ll Want to Know. Click here to learn more.
CONTACT OUR MORTGAGE EXPERTS
Our friendly staff is here to help you with all your mortgage needs. We will use our expertise to find the right program for you. Please give us a call at: 800–737–6620 (Mon – Sat, 7am – 7pm MST), or complete the form below.