Rates are rapidly rising!
As a result of the recent spike in rates, economists are now lowering their home sales forecasts for the year. Get Pre-qualified today!
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Vision Mortgage Group
We Are Vision Mortgage Group
“It’s not what we do, it’s who we are that makes the difference.” – Mark Charlton, Founder.”
Vision Mortgage Group was created on the foundation of delivering exemplary service on Mortgage loans to everyone we serve. We are a team of experienced mortgage advisors who look to continually make an impact in our communities. Founded by our President, Mark Charlton, we follow the vision of doing what is best for our clients. We will do everything in our power to make YOUR VISION of homeownership come true.
We make the home loan process quick and easy.
Your sensitive personal information is safe with us.
At VMG we offer free, accurate rates.
No surprises! We will communicate every step of the way.
Available 7 days a week to answer questions.
We will get you the best rates possible.
Understanding Mortgages Loans
Buying a house is an exciting part of life, but you may come across words or terms you haven’t heard of before. We are here to ensure we define any term you may not hear of before so you understand completely in your home buying journey.
3 Common Types Of Mortgages
A conventional mortgage is a home loan that isn’t backed by a government agency, such as the FHA or VA. Conventional mortgages often meet the down payment and income requirements set by Fannie Mae and Freddie Mac, and they often conform to the loan limits set by the Federal Housing Finance Administration (FHFA).
An FHA loan is a mortgage issued by an FHA-approved lender and insured by the Federal Housing Administration (FHA). Designed for low-to-moderate-income borrowers, FHA loans require a lower minimum down payments and credit scores than many conventional loans.
A VA loan is a mortgage loan available through a program established by the United States Department of Veterans Affairs (previously the Veterans Administration). The VA sets the qualifying standards, dictates the terms of the mortgages offered and guarantees a portion of the loan, but doesn’t actually offer the financing. VA home loans are provided by private lenders, such as banks and mortgage companies, instead.
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What customers are saying:
Mark and his team always go the extra step. I’ve worked with him multiple times and he never stops exceeding expectations. He’s my go-to for all things mortgage lending as I know he always works to get his clients the best rate possible!
Matthew was a great communicator and thoroughly explained the process. He made himself available at any time for questions and provided timely updates. I trusted him to get us the best rate given our individual circumstances and he provided good advice on our options.
Cody did a great job communicating and was on top of everything as the process progressed. I couldn’t have purchased my beautiful home without his committment!
Working with Sam, Justin, Leanne, and Annalese made the purchasing process so easy on us, especially since we are first time home buyers. They made sure our stress levels were minimized, made sure we had everything we needed to ensure a smooth loan process and they are all very knowledgeable and wonderful to work with! We couldn’t have asked for a better group of people to help us through this exciting experience!