Rates and products offered may differ from state to state. To see the rate and offering available to you, please select the state where you bank. (Your privacy is important to us—see our Privacy Notice).
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.
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.
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.
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.
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.