Mortgage Loans

 

From application to closing, we make the mortgage process simple.

 
Whether you’re just getting started or ready to take the next step, this site is here to guide you. Prefer a personal touch? Stop by one of our branches—we’re always happy to walk you through the process.
 

As a trusted local lender with deep roots in the community, Vision Bank is here to help you find the mortgage that fits your needs. Explore your options below and discover how we can make homeownership happen for you.

 

Buying a Home

Our local mortgage experts offer personalized service, competitive rates, and flexible options to help you find the right loan for your needs. Let’s make your dream home a reality—right here in your community.

 

Home Buying Guide

Available Mortgages

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Refinancing a Home

There are many reasons why homeowners may choose to refinance their existing home loan. Consider refinancing to:
  • Take advantage of lower interest rates
  • Convert your adjustable-rate to a fixed-rate mortgage
  • Avoid an upcoming balloon payment
  • Capitalize on your improved credit score
  • Lengthen your home loan term to lower monthly payments
  • Reduce the life of the loan you currently have
  • Tap into equity for debt consolidation, home improvements, or education expenses
 

Tap Into Your Equity

Tapping into the equity of your home with a Home Equity Line of Credit (HELOC) can give you access to flexible financing at affordable rates. Whether you are looking to pay off high-interest debt, make home improvements, or pay for college, a HELOC is there when you need it. HELOCs use the equity (the fair market value of your home minus the balance of any home loans) to secure your financing, allowing you to borrow money at lower interest rates than with a credit card or unsecured personal loan. As with other types of home loans, applying for a HELOC will involve checking your credit score and credit history, as well as verifying your income and assessing your home’s market value.
 

Meet Our Lenders

Whether you’re buying your first home, upgrading for more space, or refinancing to better fit your budget, our mortgage lenders are here to help you every step of the way. At Vision Bank, we believe getting a mortgage should feel personal—not stressful.

Our team combines deep local knowledge with years of lending experience to guide you through the process with confidence and care. From application to closing, we’re committed to finding the right solution for you.

Click down below to meet the lenders who are ready to help you turn your vision of homeownership into reality.

Meet the Team
 

Are You Ready? 

We are here to help. Apply online, fill out a contact form, or visit one of our convenient locations in South-central Oklahoma and we will have one of our lenders reach out to you.
 
 
 

Common Mortgage Questions 

How much down payment is required?  The down payment requirement varies depending on the loan type.     

Can I get pre-qualified before finding a home? Yes, getting pre-qualified before house hunting is recommended. It helps determine your budget and shows sellers that you are a serious buyer.

What documents are required for a mortgage application? Common documents include:

Proof of income (pay stubs, tax returns, W-2s), employment verification, bank statements, and identification (driver’s license, Social Security number).

How do I know which mortgage loan is right for me? It depends on your financial situation, credit score, down payment, and homeownership goals. Consulting a mortgage lender can help you compare options such as fixed-rate vs. adjustable-rate mortgages.
 
What are the benefits of getting a mortgage through a local bank?  Local banks may offer personalized customer service, competitive interest rates, knowledge of local real estate trends, or more flexibility in lending criteria.
 

What factors do lenders consider when approving a mortgage?  Key factors include credit score, income and employment history, debt-to-income ratio, down payment amount, and loan-to-value ratio.

What credit score do I need to qualify for a mortgage? This varies per lender, though higher scores improve approval chances and loan terms.

How long does the mortgage approval process take?  On average, mortgage approval takes 30–45 days, but it can vary based on lender efficiency and borrower preparedness.
 
Can I apply for a mortgage with a co-borrower?  Yes, co-borrowers can help increase your loan approval chances by adding income and credit strength.
 
Can I make extra payments or pay off my mortgage early?  Yes, but check with your lender for any prepayment penalties. Making extra payments can reduce interest costs and shorten the loan term.
 
Where can I check the status of my application? Most lenders provide online portals, phone support, or loan officers to track your loan application and disbursement progress.