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Products
Vision Bank offers a variety of loan programs to meet your needs. We work with the leading lenders in the industry to provide:
 
Conventional
USDA Rural Development
FHA
VA
Section 184 Native American
Home Renovation Loans
Construction
Bridge Loan
Home Equity Second Mortgage

Conventional
  • Available for purchase or refinance of your home, including cash-out or debt consolidation. 
  • The interest rate can be fixed or adjustable, and have several options on repayment terms.


USDA Rural Development
  • Primarily used to help low-income individuals or households purchase homes in rural areas.
  • Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.
  • There are no down payment requirements and no monthly mortgage insurance requirements.


FHA
  • They are ideal for the first time homebuyer.
  • FHA loans offer low down payment, low interest rates, and easier credit qualifying.
  • Refinance options are also available.


VA
  • VA loans are guaranteed by the U.S. Department of Veterans Affairs.
  • They are available to active, reservist and veterans of the armed forces.
  • The VA determines eligibility and issues a Certificate of Eligibility.
  • VA loans offer low or no down payment and do not require monthly mortgage insurance.
  • VA loans can be used for purchase or refinance.


Section 184 Native American
  • The Section 184 Home Loan Guarantee Program is a home mortgage specifically designed for American Indians.
  • Section 184 loans can be used both on and off native lands for new construction, rehabilitation, purchase of an existing home, or to refinance.


Home Renovation Loans
  • Loan amount is based on the home value after improvements are made.
  • Start improvements right after closing.


Construction
  • Our construction loan program allows interest-only payments to be made on those funds that have been periodically disbursed during the construction process.
  • Your Mortgage Loan Specialist can even give you pre-approval on permanent financing before construction begins.


Bridge Loan
  • Use the equity of your current residence to cover the down payment of your new purchase.
  • 12 months interest only payments
  • When your home sells, we can refinance that lower loan amount into regular payments.


Home Equity Second Mortgage
  • A second mortgage program allows you to use your home equity for home improvements, debt consolidation, etc.
  • Fixed interest rate for up to 15 years.
  • Low closing costs
  • You keep your current mortgage intact.