Our Loan Services

Whether you’re buying, refinancing, or building wealth through real estate, Vitae offers the right loan for the job. Jump to what applies to you:
Searching for a Home  |  Ready to Make an Offer  |  Refinance  |  Tap Into Equity  |  Investor Loans

Searching for a Home

  • Budgeting – We offer FREE budgeting assistance to help you understand what you can afford, setting you up on a path to not only home ownership, but financial success.
  • Credit Score Counseling – Not sure where your credit stands? We’ll walk you through your credit report and show you simple steps to strengthen your score before you apply, potentially saving you thousands of dollars.
  • Qualifying – We’ll explain exactly what it takes to qualify for a home loan, so you know where you stand before you start looking.

Ready to Make an Offer

  • Pre-Approval Letters – We’ll get you a strong pre-approval letter so you can make offers with confidence and stand out to sellers.
  • Purchase Loans – From conventional to government-backed options, we’ll match you with the purchase loan that fits your situation.
  • Jumbo Loans – Buying above conventional loan limits? We offer jumbo financing for higher-value homes.
  • HomeReady / Home Possible & Down Payment Assistance – Low down payment programs designed to make homeownership more accessible, often paired with down payment assistance for qualifying borrowers.

Refinance

  • Rate & Term Refinance – Lower your interest rate, shorten your loan term, or adjust your monthly payment to better fit your goals.
  • Rate Monitoring – Once you’re in your loan, we keep an eye on rates for you and reach out when refinancing could actually save you money.

Tap Into Equity

  • Home Equity Loans & HELOCs – Turn the equity you’ve built into cash for debt consolidation, home improvements, or other major expenses, without touching your first mortgage.
  • Does It Make Sense in Today’s Rates? – Visit our Resources page for a real-world example of when tapping equity pays off in a high-rate market.

Investor Loans

  • DSCR Loans – Qualify based on the property’s rental income potential instead of your personal income, making it easier to scale your investment portfolio.
  • Flexible Investor Financing – Options to purchase, refinance, or cash out on investment properties.