Vantage Point

3% Down. Ready. Set. Home.

We get it. Owning a new home is one of life’s most exciting milestones, and one of the largest purchase decisions you’ll ever make. It’s about drawing on the power to dream, and to make that dream a reality. At Mortgage Solutions, LLC, a wholly owned subsidiary of Vantage Credit Union, we help turn renters into homeowners, growing pains into growing gains, and silver anniversaries into golden years.

You’ve envisioned it. Your carpet, your wall colors, your backyard. Now, moving from the vision board to reality is within reach with our ReadyNow Mortgage! Exclusive to Vantage Credit Union members and those eligible for membership, you can buy a home * with as little as 3% down, and better yet, you can use gift funds for your down payment! With an opportunity this exciting, you’ll be shouting it from the rooftops!

How does our ReadyNow mortgage compare to an FHA mortgage?
Our ReadyNow mortgage offers many benefits. Interested in lower mortgage insurance payments? Or no upfront mortgage insurance premium? A ReadyNow mortgage offers you both. And with no upfront mortgage insurance premium to finance, you’ll build equity in your home faster. Plus, the ReadyNow mortgage stays with Vantage. You’ll be able to make your payment here, and fully utilize the services and benefits available to you as a member of Vantage!

Is the timing right?
According to St. Louis Realtors, St. Louis has experienced an 8.8% decrease in home sales compared to last year, while the average number of days on the market increased to 45 days as opposed to 37 days in 2018. And when you take a look at the number of homes available in 2018 compared to 2019—there are 20% fewer homes on the market. That’s why you see more people at open houses and multiple offers on the same property.

Am I ready?
We get that your dream is to buy a home, not a mortgage. Still, when all is said and done, you’ll want both to fit your budget, lifestyle, and plans for the foreseeable future. We’ll help figure out your price range and which loan program works best for you based on where you are financially. We can even get you pre-approved so you’ll have more bargaining power when making an offer.

There are a wide variety of mortgages that could make it possible for you to find the home of your dreams and Mortgage Solutions has a mortgage loan that’s right for you, no matter what type of mortgage you’re considering. We offer fixed, jumbo fixed, conventional, FHA and government mortgages, as well as a variety of terms ranging from 10- to 30-years. We’re ready to move when you are, and we’ll be there for you every step of the way!

Not sure what you can afford?

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Interested in the ReadyNow loan, but not a member of Vantage?

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Get the house of your dreams before it’s gone!

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19 Research Park Court
St. Charles, MO 63304
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* Property must serve as the primary residence, be less than 10 acres and not zoned agricultural. Subject to credit approval and program guidelines. Interest rate and program terms are subject to change without notice.

Mortgage Solutions, LLC (NMLS #277481). Missouri Residential Mortgage License; Illinois Residential Mortgage License; Kansas Licensed Mortgage Company; Arkansas Licensed Mortgage Company. Equal Housing Lender.