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First Time Homebuyer

20% Down Payment? Not Anymore!
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, but you don’t have enough cash for a down payment,…

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5 Reasons to Buy a Home This Fall
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, which could be good for buyers. If you’re in the…

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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 is an exciting time! We scoured the internet looking for…

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Thinking About Buying a Home - Here is a checklist.
Thinking About Buying a Home?
 Thinking About Buying a Home? 1024 536 Vellum Mortgage
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One of the first steps in the homebuying process is fully understanding your finances. Here is a checklist to help you prepare. Avoid making changes to your financial story that could hurt your ability to qualify for your home loan. Do Make and stick to…

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What to do after closing on your home loan.
To Do After Closing On Your Home
 To Do After Closing On Your Home 1024 536 Vellum Mortgage
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After you finish signing at the closing of your new home, you’re handed the keys and the house is officially yours! But, there some things you should do to make sure the transition from your old place to your new address goes as smoothly as…

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Verified Pre-Approval - Vellum Mortgage
Getting Pre-Approved Should Be Your First Step
 Getting Pre-Approved Should Be Your First Step 1024 536 Vellum Mortgage
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Many potential homebuyers underestimate their purchasing power and overestimate the down payment and credit scores needed to qualify for a mortgage today. Completing a quick and easy pre-approval is the first step in determining all mortgage options available to you. Benefits of being Verified by…

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What's the Point? How paying extra points might lower your rate.
What’s the Point?
 What’s the Point? 1024 536 Vellum Mortgage
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Your financial house is in order and you’re ready to make your dream of homeownership a reality. Now it’s time to get a mortgage. So what are these so called “points” and is there a point in paying them? A “point” equals one percent of…

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Not Ready to Buy a Home? You Should Still Talk to a Lender.
Not Ready to Buy a Home? You Should Still Talk to a Lender.
 Not Ready to Buy a Home? You Should Still Talk to a Lender. 1024 536 Vellum Mortgage
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If you’re a first-time home buyer, you might think you’re not ready to purchase a house. Perhaps you’re concerned about your job situation, your previous credit history, or your high monthly expenses. Whatever the circumstances, every borrower and financial situation is unique. Unless you’re a…

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Things to Remember When Applying for a Mortgage
Things to Remember
 Things to Remember 1024 536 Vellum Mortgage
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There are many factors that can change your ability to qualify for a mortgage. It’s important to follow these guidelines until your loan is closed. Do Pay all your monthly bills on time Keep track of all your bank deposits and statements Find and organize…

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Millennial's Buy Homes for Their Best Friends
Millennials Buy Homes for Their Best Friends
 Millennials Buy Homes for Their Best Friends 1024 536 Vellum Mortgage
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One–third of Millennials had their best friends at heart — dogs, that is — when deciding to buy their first homes. According to an online survey conducted by Harris Poll, only wanting a bigger home and to build equity rather than pay rent to someone…

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