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Mortgage & Real Estate Articles

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What Are Closing Costs and How Much Are They?
 What Are Closing Costs and How Much Are They? 1024 536 Lori Curley
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During the long process of house hunting, mortgage closing costs are sometimes an overlooked factor until it’s time to pay. Understanding and preparing for closing costs in advance will prevent sticker shock at the end…

Tax Benefits of Buying a Home
 Tax Benefits of Buying a Home 1024 536 Lori Curley
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Knowing what tax benefits come with home ownership is an important step in painting the picture of how your finances will look when you decide to buy. Tax advantages for homeowners are not exclusive to…

VA Loans: What to Know and How to Apply
 VA Loans: What to Know and How to Apply 1024 536 Onawa Rock
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The VA loan is arguably one of the best incentives tied to military service. Despite being an incredible home-purchasing tool, many of those eligible to utilize it are not aware of all of its benefits…

Mortgage Relief: What Is Forbearance?
 Mortgage Relief: What Is Forbearance? 1024 536 Onawa Rock
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The stress of a looming mortgage payment can feel crushing when finances take a downturn. In response, many homeowners begin searching for relief options until they can get back on their feet. Forbearance is a…

Save Big Time on a Mortgage Refinance as Rates Hit 3-Year Low
 Save Big Time on a Mortgage Refinance as Rates Hit 3-Year Low 1024 536 hooter
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The average rate on the 30-year fixed mortgage just hit 3.49%, according to a survey by Mortgage News Daily. That’s down from 3.8% at the start of January and 4.58% a year ago. About 9.4…

How Do Interest Rates Affect My Purchase Power?
 How Do Interest Rates Affect My Purchase Power? 1024 536 Vellum Mortgage
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Nothing affects a home’s affordability more than interest rates. After all, we live with the monthly payment, not the amount of the loan. The higher your mortgage rate is, the higher your monthly payments are…

Is a Mortgage Pre-Approval Necessary?
 Is a Mortgage Pre-Approval Necessary? 1024 536 Vellum Mortgage
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Do you need a mortgage pre-approval letter to make an offer on a house? You know you need to get your ducks in a row before looking at homes, but does that include securing a…

We're Hiring a Mortgage Underwriter
Residential Mortgage Loan Underwriter
 Residential Mortgage Loan Underwriter 1024 536 Vellum Mortgage
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Job Summary: We are seeking a Senior Underwriter to partner with our loan origination staff in the creation of high quality, insurable mortgage loans. The Senior Underwriter will evaluate collateral and credit packages for mortgage…

Conforming & VA Loan Limit Changes for 2020
 Conforming & VA Loan Limit Changes for 2020 1024 536 Vellum Mortgage
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FHFA Announced Increase in Conforming Loan Limits for 2020 The Federal Housing Finance Agency announced that it is raising the conforming loan limits for Fannie Mae and Freddie Mac to more than $510,000. In most…

Top Tax Benefits of Owning a Home
 Top Tax Benefits of Owning a Home 1024 536 Vellum Mortgage
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Owning a home will often be the most expensive and important purchase you will make in your life. To encourage home ownership, the IRS has provided several tax breaks for owning a home. Deductions lower…

Credit Tips for First-Time Homebuyers
 Credit Tips for First-Time Homebuyers 1024 536 Vellum Mortgage
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When applying for a mortgage loan, your credit will be one of the key factors in whether you’re approved, and it will help determine your interest rate and possibly the loan terms. It’s a good…

Happy Veterans Day.
 Happy Veterans Day. 1024 536 Vellum Mortgage
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