No agent? No worries!
Real Estate with Real Rewards.
At Vantage West, we know that buying a home is more than a transaction—it’s a big step toward your future. Our team is here to help you navigate the home loan process with local expertise, quick decisions, and a variety of mortgage solutions designed to meet your unique needs.
Your Path to Homeownership Starts Here
Take the first step with a simple pre-qualification, so you can confidently shop for your home within your budget.
From conventional mortgages to FHA and VA loans, our Loan Officers help you choose the best loan for your needs.
We offer 30-, 45-, or 60-day rate locks, so you can secure your rate while finding the perfect property.
With our in-house underwriting, you can close on your loan in as little as 30 days, helping you move in faster.
Your Loan Officer will guide you through each stage, making the home loan experience as smooth as possible.
Why Choose Vantage West for Your Mortgage?
HomeAdvantage program is made available to you through a relationship between Vantage West Credit Union and HomeAdvantage. Program Cash Rewards are awarded by HomeAdvantage to buyers and sellers who select and use a real estate agent in the HomeAdvantage Network of approved realtors. Home buyers or sellers are not eligible for Cash Rewards if they use an agent outside this network. Using Vantage West Credit Union for a mortgage is not a requirement to earn Cash Rewards. Cash Rewards amounts are dependent on the commissions paid to the agent. HomeAdvantage may have specific rules on how your Cash Rewards will be paid out. Cash Rewards incentives are available in most states; however, are void where prohibited by law or by the lender. Vantage West Credit Union does not control or guarantee the privacy or security of any communications or documents exchanged with HomeAdvantage. Vantage West Credit Union reserves the right to modify or discontinue the HomeAdvantage service at any time.
*Cash Rewards (“reward”) qualifications or limitations include the following. You must use an assigned HomeAdvantage network agent to buy or sell a property. Completing the transaction with the HomeAdvantage partner is not a requirement. When selling, a reward will be applied as a commission reduction reflected in the listing agreement. When buying, reward may be limited by lender underwriting guidelines and/or prohibited by state law where the transaction is completed as follows: No reward will be available for buyers in MS. Cash Rewards may be in the form of a closing cost credit disclosed on the Closing Disclosure or a reduced real estate commission with the following exceptions. Lender or partner may require sending reward after closing. AK, AL, IA, LA, MO, OK, and OR require HomeAdvantage to issue the reward after closing. In KS and TN, a gift card will be provided for closings and KS limits reward to $1,000. Rewards not issued at closing will be sent within 60 days of HomeAdvantage receiving settlement statement and funds.
1Average cash rewards calculated based on 28 home closings with a real estate agent in the HomeAdvantage network of approved agents between 03/03/2023 and 03/17/2025.
See full terms in our Terms of Use under section "Use of Program". All terms subject to change without notice.
Some borrowers may require down payment of 5-10% based on credit and property limitations. Condos require minimum 10% down payment and project approval. All loans are subject to approval. Rates based on credit worthiness, loan product, term of loan, and value of property used as collateral. Property insurance required. Mortgage options/rates subject to change without notice. Certain restrictions and fees may apply. Membership required.
