Your Mortgage Strategy, Tailored to Your Future
Navigate the complexities of home financing with a dedicated advisor. We craft personalized lending solutions that align with your long-term wealth objectives.
Our team
The Bennett Team at V.I.P. Mortgage, Inc. is led by Seth Bennett, a lifelong resident of Fort Wayne and Northeast Indiana with over 10 years of experience helping individuals and families navigate the home loan process. Seth specializes in personalized home financing solutions—including conventional, FHA, VA, and refinance options—and is guided by a clear personal mission: to provide ethical and responsible lending that helps families build long-term wealth and stability. As he often says, “It is super important to me that everyone I know is always in the best mortgage for their needs.” Whether working with first-time homebuyers, repeat buyers, or clients exploring refinancing, Seth is focused on delivering an experience built on trust, education, and attention to detail, with proactive communication and transparency at every stage of the loan process.
Supporting Seth is Morgan Ginder, an experienced Loan Officer Assistant who also brings over 10 years of mortgage industry expertise to the team. With a strong background in loan processing, communication, and client support, Morgan plays a key role in ensuring a smooth, efficient experience from application to closing. Known for her attention to detail and organization, she works closely with clients, referral partners, and team members to keep every step on track and stress-free. Together, Seth and Morgan proudly serve the Fort Wayne and Northeast Indiana community they call home—Seth alongside his wife, Sara, and their four children, and Morgan with her three children—both deeply committed to giving back and supporting the local families and nonprofits that make this community special.
Crunch the Numbers
Get a clear picture of your monthly mortgage payment based on your loan amount, interest rate, and term. When you’re ready, our team is here to guide you home.
Monthly Payment
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Total Interest Payable
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Total of Payments
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* Payment shown only includes principal and interest. It does not include estimated taxes, insurance or mortgage insurance when applicable.
Real Families, Real Results
Hear directly from clients who’ve achieved their homeownership dreams with strategic guidance.
Andrea A.
Hernandez
Christopher C.
Bradon W.
Jonathan R.
Andrew W.
From Application to Keys in Hand
A transparent, streamlined journey designed to get you to closing day with confidence.
Average time from application to closing: 15 days or less.
15-minute discovery call
Consultation & Strategy
We analyze your financial profile, goals, and timeline to create a personalized mortgage strategy. We cover more than just an application to truly understand your situation
Get Pre-Approved
Secure your pre-approval letter in as little as 24 hours. This gives you buying power and shows sellers you’re serious.
Submit documentation online
Credit Inquiry
Receive pre-approval letter
Lock Rate
Sign Disclosures
Update Loan Documentation
Shop & Apply
Find your dream home with confidence. Once you’re under contract, we’ll lock your rate and begin full underwriting.
Close & Celebrate
Final walkthrough, sign documents, and receive your keys. I’ll be with you every step to ensure a smooth closing day.
Clear to close notification
Closing disclosure review
Welcome home!
Financing Solutions for Every Journey
From first-time buyers to seasoned investors, we offer specialized programs designed for your unique situation.
Conventional
Flexible terms with as little as 3% down. Ideal for strong credit profiles and competitive rates.
- Down payment from 3%
- 620+ credit score
- Loan limits up to $766,550
FHA Loans
- As low as 3.5% down
- 580+ credit score accepted
- Flexible debt-to-income ratios
VA Loans
- 0% down payment
- No mortgage insurance
- Competitive interest rates
Jumbo Loans
- Loans above $766,550
- Competitive jumbo rates
- Tailored underwriting
USDA Rural
Zero down payment for eligible rural and suburban properties. Income limits apply.
- 0% down payment
- Low mortgage insurance
- Flexible credit guidelines
Refinance
Lower your rate, reduce your term, or tap into your home’s equity with strategic refinancing.
- Rate & term refinance
- Cash-out refinance
- Streamline options available
Contact us
V.I.P. Mortgage, Inc.
Our History: Built on a Mission to Serve Borrowers Better
V.I.P. Mortgage, Inc. was founded in 2006 by Marine veteran Jay Barbour in Scottsdale, Arizona. What began with just two loan officers was driven by a clear purpose: to make the home loan process simpler, more transparent, and more personal for every client.
Growing While Staying True to Our Roots
From those early beginnings, V.I.P. Mortgage has expanded into a full-service residential lender with more than 20 locations across multiple states. Today, hundreds of licensed loan originators help thousands of families each year, funding billions in home loans—from purchases and refinances to specialized mortgage solutions.
Even with that growth, the focus hasn’t changed. V.I.P. Mortgage remains committed to providing honest guidance, clear communication, and a relationship-first approach—helping clients feel confident every step of the way.
Still have questions?
Buying a home or refinancing is one of the biggest financial decisions you’ll ever make—and it’s completely normal to have questions along the way. Whether you’re wondering about loan options, interest rates, down payments, or what to expect during the process, Seth and The Bennett Team are here to help. Reach out anytime for clear, honest answers and personalized guidance—no pressure, no jargon, just real conversations with people who genuinely care about your goals.