Your home.
Without the hassle.
Buy, refinance, or use your equity. Real rates, real people, plain language — see today's rates on the current rate sheet.
Membership required. All loans subject to credit approval. Owner-occupied primary residences only for home equity. Current APRs are on the rate sheet and subject to change. Verify current rates with Vida FCU before applying.
Home Equity Up To
HELOC or Fixed Second. Borrow only what you need.
Max Equity Loan
Fixed Second up to $250,000.
Max CLTV
Combined loan-to-value on equity products.
Buying a home,
or already in one?
Whether you're moving into your first place or making the one you already own work harder, we have a product line for it. Pick a path.
First Mortgages
Purchase a home, refinance an existing loan, or take cash out. Conventional, FHA, VA, Jumbo, and first-time buyer programs available through our mortgage partner.
Home Equity
Tap the equity you've built. HELOC for flexible access. Fixed Second for predictable payments. Up to $250,000, 80% CLTV. Direct from Vida.
Buying or
refinancing.
Vida partners with Varris Mortgage Solutions to handle first mortgages. That means you get our member-first ethics with their full mortgage shop: pre-qualification in about a minute, six loan programs, and licensed loan officers who answer the phone.
Loan Programs Available
- Conventional 30-year and 15-year fixed mortgages
- FHA Loans, lower down payment with flexible credit guidelines
- Elite High-Balance Conforming Loans up to $832,751
- Prime Jumbo Loans up to $1,249,126
- USDA Loans for qualifying rural property
- VA Loans and CalVet Loans for veterans and active military
- First-Time Homebuyer programs
- Reverse Mortgages for homeowners 62 and older who own their home free and clear
Plus
- Purchase, refinance, or cash-out refinance
- One-minute pre-qualification through the Varris portal
- Member discount on homeowner's insurance
Varris Mortgage Solutions is Vida's mortgage partner. They handle the application, underwriting, and closing. You're still a Vida member. The relationship makes deeper inventory and competitive rates available to members without Vida taking on the regulatory weight of a full mortgage shop.
Mortgage rates for Conventional, FHA, Jumbo, USDA, VA, CalVet and other programs are published and updated daily by Varris Mortgage Solutions. See today’s mortgage rates at Varris. All rates are subject to change without notice; your rate depends on the program, your credit and the loan terms.
Mortgage Loan OfficersFlexible or fixed.
Pick your path.
Two different products for two different situations. Both tap your home equity. Both have real rates. Pick the one that fits your life.
- HELOC: draw what you need, when you need it
- Fixed Second: lump sum, one rate, predictable payment
- Owner-occupied primary residences only, $10,000 minimum
- Up to 80% combined loan-to-value
- Contact us directly to get started. No online application required.
Home equity products work better with a conversation. Call us or stop in. We'll walk you through your options in plain language.
Variable rate. Rate and payment may increase after account opening. See the rate sheet for today's APRs.
Fixed rate, 15- or 20-year terms. See the rate sheet for today's APRs.
Your equity.
Put it to work.
You've built equity in your home. These products let you use it instead of just sitting on it.
Home Improvements
Kitchen, roof, ADU, solar. Tap your equity to invest back in your home. The smart play.
Debt Consolidation
Roll high-rate credit card or personal debt into a lower-rate fixed payment. Save money monthly.
Major Expenses
Medical bills, education, business expenses. Big needs that deserve a real rate, not a predatory one.
Emergency Reserve
HELOC as a safety net. Draw nothing until you need it. Have it ready when life gets unpredictable.
Family Needs
Helping kids with college or a down payment on their own home. Your equity, your family's future.
Anything That Matters
Your home is your asset. Use it for what actually matters to you. That's what it's there for.
Mortgages that
make sense.
Home loans have a reputation for confusing paperwork and fine print surprises. Our staff and our mortgage partner explain everything in plain language. You'll know exactly what you're signing before you sign it.
Talk to Someoneshouldn't be a mystery."
Call us at (909) 983-1959, option 2, for home equity. Apply through the Varris portal or contact the loan officers above for a first mortgage. A real person walks you through your options, no jargon, no pressure.
Rates are subject to change without notice; see the rate sheet for today’s APRs. All loans subject to credit approval and eligibility.
The stuff people ask first.
What's the difference between HELOC and a Fixed Second?
A HELOC is a line of credit. Draw what you need, when you need it. Variable rate. A Fixed Second is a one-time lump-sum loan with a fixed rate and predictable payment. Different tools for different situations.
Do I apply through Vida or through Varris for a mortgage?
First mortgages go through Varris Mortgage Solutions, our partner. Vida handles your everyday banking and home equity products directly.
Can I do a cash-out refinance?
Yes. Cash-out refinancing is available through Varris. If you want a separate line against your equity without touching the first mortgage, look at HELOC or Fixed Second.
Are you a Fair Housing lender?
Yes. Vida is an Equal Housing Lender and a CDFI-certified credit union. We lend without regard to race, color, religion, national origin, sex, handicap, or familial status.
Do you offer first-time buyer programs?
Yes. First-time buyer programs are available through Varris, along with FHA, USDA, VA, and CalVet options. Reach out to one of the loan officers above to find the right fit.
What's required for a home equity loan?
Owner-occupied primary residence, $10,000 minimum loan, up to 80% combined loan-to-value, and credit approval. We work with a wide range of credit profiles.
Ready to
tap in?
Talk to us about your options. No commitment, no pressure. Just a real conversation about your home and what it can do for you.
Or visit us at 1520 N. Palmetto Ave., Ontario, CA 91762