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Locations
Atlanta, Georgia (404) 355-0002
Cincinnati, Ohio (859) 344-7800
Columbus, Ohio (614) 431-5865
Dayton, Ohio (937) 993-0186
Northern Kentucky (859) 344-7800
Indianapolis, Indiana (317) 296-8266
Louisville, Kentucky (502) 272-4902
Northwest Florida (404) 355-0002
St. Louis, Missouri (314) 207-7211

Our Loans

We offer full-service mortgage solutions, including home equity lines of credit, fixed rate, and variable rate home mortgages, auto loans, and more.

Check out our loan programs below to learn more. When you’re ready, give us a call to see what Victory Mortgage can do for you.

Fixed Rate Mortgage
  • Monthly payments are fixed for the life of the loan
  • Interest rates do not change
  • Loan terms from 10 years to 30 years
  • Protected if rates go up
  • Can refinance if rates go down
  • Appropriate for borrowers who plan to occupy the home at least 7 years
  • Appropriate for borrowers on a fixed income
  • Appropriate for borrowers who want the safety and security of having a steady, predictable loan payment each month.

Ready to take the next step?

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Adjustable Rate Mortgage
  • Lower initial rate and monthly payment compared to a fixed rate loan
  • Lower payment over a shorter period of time
  • May qualify for higher loan amounts
  • Rate and Payment can change over time
  • Appropriate for borrowers who plan to occupy the home for 10 years or less
  • Appropriate for borrowers who may be transferred frequently
  • Appropriate for borrowers who want a lower initial monthly payment and are comfortable with a variable payment

Ready to take the next step?

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FHA Loans
  • Low down payment required – only 3.5%
  • Both fixed-rate and adjustable-rate mortgages are available
  • Government-insured and backed by the FHA
  • Entire down payment can be gift or grant money
  • Lower credit scores are acceptable
  • No income limits on borrowers
  • More generous debt ratios
  • Must be primary residence
  • Appropriate for first-time home buyers and anyone requiring a smaller down payment
  • Appropriate for borrowers who need more flexible guidelines
  • Appropriate for borrowers with less than perfect credit ratings

Ready to take the next step?

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USDA Loans
  • 100% financing with no down payment required
  • Upfront guarantee fee may be included in loan amount above appraised value
  • Condos may be eligible
  • Must be primary residence
  • More generous debt ratios
  • Gift funds and grants may be applied to closing costs
  • Home must be located in an eligible area for USDA financing
  • Annual income limits do apply
  • Can be new construction
  • Appropriate for low to moderate income borrowers
  • Appropriate for first-time homebuyers and anyone having no down payment

Ready to take the next step?

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VA Loans
  • 100% financing with no down payment required for military veterans
  • Must be a military veteran or in the military to obtain a VA loan
  • No PMI required
  • Lower interest rates and lower monthly payments
  • Lower minimum credit score requirement
  • Condos may be eligible
  • VA funding fee may be included in loan amount
  • More generous debt ratios
  • No annual income limits
  • Can be new construction
  • Gift funds may be applied to closing costs
  • Appropriate for U.S. military active-duty, discharged, and retired veterans

Ready to take the next step?

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Bridge Loans
  • Interest-only payments until your existing home sells (usually 6-12 months)
  • Use the equity in your current home as the down payment for your new home
  • Competitive interest rates and terms
  • Appropriate for customers who want to purchase a new home, but haven’t yet sold their existing home

Ready to take the next step?

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Non-Owner Occupied Investment Properties
  • Fixed and ARM rates available
  • Competitive loan rates and terms
  • 20% minimum down payment on purchases
  • Appropriate for borrowers seeking rental income-producing properties

Ready to take the next step?

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Jumbo Loans
  • Fixed rates and ARMs available for loans over the agency conforming loan limit
  • May also be structured as a conforming 1st mortgage and 2nd mortgage for additional funds needed
  • Appropriate for borrower who is purchasing a more expensive home

Ready to take the next step?

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