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Types of Loans

Fixed Rate Mortgage
The traditional 10, 15, 20 or 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years you may want to consider an adjustable rate loan.  When interest rates are low, fixed-rate loans are generally not that much more expensive than adjustable-rate mortgages and may be a better deal in the long run, because you can lock in the rate for the life of your loan.

Adjustable  Rate Mortgage (3/1 ARM, 5/1 ARM, 7/1 ARM or 10/1 ARM)
Adjustable Rate Mortgages can offer the best of both worlds: lower initial interest rates and a fixed payment for a longer period. For example, a "5/1 loan" has a fixed monthly payment and interest for the first five years and then will adjust based on then-current rates for the remaining 25 years. It may be a good choice for people who expect to move (or refinance) before or shortly after the adjustment occurs.

Vectra Bank Colorado is also an approved lender for all FHA, VA, CHFA and Rural Housing Development programs.


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Zions Bancorporation, N.A. dba Vectra Bank NMLS #467014
7800 East Dorado Place, Suite 150, Greenwood Village, CO  80111
Toll Free:  (800) 737-6620
Office:  (720) 947-7630
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