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Grants & Down Payment Assistance Programs
 Grants & Down Payment Assistance Programs 1024 536 Vellum Mortgage
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A 2017 Zillow survey of 10,000 American adults found that two-in-three people who were then renting identified saving for a down payment as their biggest obstacle to homeownership. If you want to become a homeowner,…

101% Yours
 101% Yours 1024 536 Vellum Mortgage
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101% Financing, No Mortgage Insurance Owning a home is the American Dream! Whether you are a first-time buyer or moving up, we’ve made it easier than ever to get into a new home…even helping with…

What is mortgage insurance and how does it work?
 What is mortgage insurance and how does it work? 1024 536 Vellum Mortgage
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Mortgage insurance lowers the risk to the lender of making a loan to you, so you can qualify for a loan that you might not otherwise be able to get.  Typically, borrowers making a down…

Home Equity: What It Is and Why It Matters
 Home Equity: What It Is and Why It Matters 1024 536 Vellum Mortgage
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It is often said that homeownership builds wealth. So, what is home equity, and how can it enhance your net worth? What is home equity? Home equity is the current market value of your home,…

5 Reasons to Buy a Home This Fall
 5 Reasons to Buy a Home This Fall 1024 536 Vellum Mortgage
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Real estate markets ebb and flow just like the seasons. The spring market starts hopping when the sun comes out, flowers bloom and winter is over. Conversely, fall signals the beginning of a slower market,…

Vellum Mortgage News
Vellum Mortgage Teams with Finicity and Freddie Mac to Release Fully Digital Verification of Income and Employment Solution
 Vellum Mortgage Teams with Finicity and Freddie Mac to Release Fully Digital Verification of Income and Employment Solution 1024 536 Vellum Mortgage
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Centreville, Va., Sept 18, 2019 – Vellum Mortgage announced today, through their partnership with Finicity and Freddie Mac, the October 1 implementation of Finicity’s new Verification of Income and Employment (VOIE) solution, creating a significant…

20-year mortgage benefits
How a 20-year home mortgage can save you money.
 How a 20-year home mortgage can save you money. 1024 536 Vellum Mortgage
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The 30-year fixed-rate home mortgage dominates the housing market, particularly for first-time buyers who appreciate the ability to extend their home loan payments for the longest possible term. The second most common fixed-rate loan term…

Moving Checklist & Planner
Moving Checklist & Planner
 Moving Checklist & Planner 1024 536 Vellum Mortgage
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Let’s face it, moving is stressful. Moving all your belongings from one place to another is hard, and so is relocating your life in general. But, let’s not forget that moving to a new place…

Why Use a Local Mortgage Lender
Why Use a Local Mortgage Lender?
 Why Use a Local Mortgage Lender? 1024 536 Vellum Mortgage
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Real estate agents who would represent you as a buyer do care which lender you use. They’ll often suggest that you use a local lender who’s experienced with your area’s nuances, such as local taxation…

FHA Streamline Refinance
FHA Streamline Refinance
 FHA Streamline Refinance 1024 536 Vellum Mortgage
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The FHA Streamline Refinance program is a special refinance program for people who have a Federal Housing Administration (FHA) loan. It is the simplest and easiest way to refinance an FHA loan. Unlike a traditional…

Why was I countered?
Why was I countered?
 Why was I countered? 1024 536 Vellum Mortgage
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As a homebuyer, if you make an offer below list price, the seller may choose to reject, accept or simply let the offer expire. If there are multiple offers, the listing agent will lay out…

Cash Out Refinance
Understanding Cash-Out Refinances
 Understanding Cash-Out Refinances 1024 536 Vellum Mortgage
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If you’ve built up significant equity through your monthly payments and your home’s appreciation, a cash-out refinance may make sense to improve your general financial situation or the value of your home. With a cash-out…

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