"Your Dream, Our Vision"

Vision-4-Life

(Loans in all 50 states)

Powered by Capital Federal Credit Union

Our Services

Homebuyer Education & Credit Support Referral

Gain the knowledge and tools needed to succeed. From first-time homebuyer education courses to referrals to trusted credit partners, we’ll help you build confidence, improve your credit, and prepare for the journey to homeownership.

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Credit Support

Flexible Loan Options

Explore a variety of loan programs tailored to your needs, including conventional, FHA, USDA, VA, refinance, and more. With options available for credit scores as low as 580, our flexible mortgage solutions are designed to help you find the right fit for your dream home. First-time homebuyer? No problem!

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Personalized Guidance & Assistance

Access down payment assistance programs and enjoy one-on-one support throughout the process. We’re here to guide you through every step, from qualification to closing, ensuring a seamless and successful homebuying experience.

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Loan Options

FHA & USDA

FHA Loans - FHA loans offer first-time homebuyers a low down payment option, starting at just 3.5%. With more flexible credit requirements, these loans make homeownership more accessible, even for those with less-than-perfect credit.

USDA Loans - USDA loans provide 100% financing for homes in rural or suburban areas. With no down payment required, this loan could work for first-time buyers meeting income requirements and looking for a home in eligible regions.

Conventional

Conventional loans - Conventional loans offer competitive rates for first-time homebuyers with strong credit and at least a 3% down payment. These loans provide flexibility and fewer restrictions compared to government-backed options.

VA

VA loans - VA loans are available to veterans and active-duty military, offering 100% financing with no down payment or Private Mortgage Insurance (PMI). This loan helps those who’ve served achieve homeownership with favorable terms and low costs.

Our Commitment to Your Homeownership Journey

Mission

Our mission is to empower individuals and families by making homeownership accessible. We are dedicated to providing the education, resources, and personalized support needed to navigate the path to homeownership, helping our clients build a lasting legacy of financial stability and success.

Vision

We envision a future where homeownership is within reach for everyone. We strive to break down barriers, provide comprehensive education, and offer personalized solutions that empower individuals and families to achieve their dream of owning a home and building generational wealth.

Goal

Our goal is to empower and guide countless families toward homeownership by providing accessible education, personalized support, and innovative financial solutions that pave the way to a brighter future.

Disclaimer

All rights reserved. Stan & Marva Brewington own Vision-4-Lives Dream Team. Vision-4-Lives is not a lender, does not issue loan qualifications, and does not extend credit of any kind. This website is for informational and educational purposes only. This is not an offer to extend credit or enter into a loan agreement. Clients must be pre-approved by a lender, such as Capital Federal Credit Union. Not all customers will qualify. Information, rates, and programs are subject to change without notice. All products are subject to credit and loan approval. Other restrictions and limitations may apply.

Pre-Qualification Disclaimer: Our pre-qualification form is a self-assessment tool to determine whether you may be qualified for the application process, and is not an application for, nor a guarantee of a loan. A completed application must be provided for underwriting review before a loan decision can be made. This page does not in any way promote any mortgage loans, and it does not contain any type of guarantee of approval. It also does not affect your credit score.

Interest rates vary and are largely dependent on your current situation, including but not limited to credit rating and history, your monthly salary, and your debt-to-income ratio.