Zip Mortgage
A Faster Way to Apply for a Mortgage
Purchase your Dream Home or Refinance Your Existing Mortgage
Start your mortgage application online with Zip Mortgage
Vectra Bankers Can Help You With Your Mortgage
A Vectra banker is here to help whether you're a first-time home buyer, a self-employed borrower or interested in building your home from the ground up. Plus, we've made the application process simple and convenient with Zip Mortgage by Vectra Bank.
- Easy application process - Complete in 10-15 minutes
- Track the progress of your loan 24/7
- Increased data accuracy
- Send, receive & request information 24/7
- 24-hour automated underwriting system
View some of our Home Loan options to see what might be right for you!
Interest rates and the length of your home loan are as important as the community you choose to call home. Make an informed decision about your mortgage and choose your preferred loan features so you can enjoy your new home for years to come.
Affordable Home Mortgage Loan
Our Affordable Home Mortgage Loan Program offers a 3% down payment, no lender fees, lender-paid private mortgage assistance, and other benefits on a Fixed Rate Mortgage for primary residents (no cash out refinance allowed).
FHA Mortgage Loan
When you qualify for a Federal Housing Administration (FHA) loan, you may be able to close for a smaller down payment percentage. Our Loan Officers specialize in finding assistance for low- to moderate-income homebuyers.
Fixed-Rate Mortgages
No surprises here—your interest rate remains the same for the life of your loan with the same monthly payment year in, year out. Along with a great rate, having a consistent amount helps with budgeting.
Adjustable-Rate Mortgages (ARMs)
With an ARM, you may be able to qualify for a larger loan amount with a lower fixed rate for the initial years before the rate adjusts. We offer a variety of options to help you get you into the home you want.
VA Mortgage Loan
The Veterans Administration (VA) loan program allows Veterans to qualify for a federally guaranteed home loan with zero down payment. Apply now and you’ll be connected with one of our Vectra Bank Mortgage Officers to find VA mortgage rates and to get the process started.
Home Refinancel Loan
A Home Refinance Loan can lower your rate and take years off your mortgage. Refinances also allow you to get cash out. Plus, there are also fewer fees than traditional programs and applications and approvals are simple and fast.