The Downs Group at Vellum Mortgage
The Downs Group at Vellum Mortgage

Wealth for The Next Generation

Get The Right Mortgage Today!

We've helped people just like you get more than $1 billion in mortgages. Let us help you achieve your dreams.
(Licensed To Do Business in DC, Maryland and Virginia)

OWNING YOUR HOME IS THE SINGLE SMARTEST MOVE YOU CAN MAKE IN YOUR FINANCIAL LIFE.

How it works

You may not think of it this way, but a mortgage is leverage to build your financial future. When you employ leverage, you use someone else’s capital to buy something. Leverage is how many wealthy people got that way. A mortgage allows you to use your money and the lender’s money to grow your wealth. We think that’s smart.

Why it works

You can deduct mortgage interest and property tax from your income, so more of your money works for you (instead of the IRS). Your equity in your home may grow if the value of your home goes up, adding to your principal investment. That’s leverage doing the wealth-building for you, so you can build the life you want.

Meet With One Of Our Professionals

WHAT CAN YOU EXPECT FROM THE DOWNS GROUP 

Personal mortgage coaching to build your wealth.

Step 1 - Mortgage Application Process

Get the mortgage that's right for you.

Build wealth. Save money. Get a tax break. Invest in real estate. Quit renting. Whatever your goals, we’ll help you get there. By the time your transaction closes, you’ll be in better financial shape than you thought possible, with a clear view of how owning your home benefits you today — and tomorrow.

Step 2

No mumbo jumbo.

Instead of a bunch of complex estimates no one understands, get ready to have your options clearly explained. We sweat the details so you can breathe easily, and focus on how you can buy your home.

Step 3 - Process

Easy application.

We’ll break the application process into easy to follow steps. We’ll even use Vellum's Digital Mortgage Platform to automatically gather the appropriate paperwork.*

Step 4 - Mortgage Process

Guidance and support from mortgage experts.

We'll match you with an expert mortgage coach/loan officer who will give you the accountability, direction, insight and support you need, every step of the way. They'll get your loan done, so you can move on to the next phase of your life.

Step 5

Backed by Vellum. Proven with happy clients.

Our process has been proven with thousands of clients. We’re consistently tweaking and simplifying our lending process based on the latest programs, rates and technology.

Step 6 - Process

Competitive Rates. Always

Our mission is to match you with the right mortgage at the lowest rate possible. Because we’re a unit of Vellum Mortgage, we have access to an enormous portfolio of loan products.  We‘re also frightfully competitive with every online lender. But since we’re real people, we pick up the phone and talk to you about what’s best in your situation.

Step 7 in the lending Process

100% Guaranteed

You'll get the best loan you can qualify for, at a competitive rate. If you're not satisfied after your loan closes, we'll refinance your next loan at no charge.**

Step 8 - Mortgage Process

Eternal love.

Now that you’re all nice and financed, our work doesn’t stop. We’ll continue to review your loan, to ensure that it’s still competitive in the ever-changing world of mortgages. Sometimes, even a half point can save you hundreds of dollars a month, and we know that puts real money in your pocket. After all, this is about you and building wealth, so we’re on it. Always.

* Not all clients will qualify for Vellum’s Digital Mortgage Platform. You must be employed as a W-2 employee, and certain conditions apply. But never fear — we’ll make it easy.  ** If you’re not completely satisfied, we’ll reimburse you for the appraisal fee.

PEOPLE ARE TALKING

Shannon C.

January 7, 2022

John really helped us understand all our options and explore different purchasing scenarios. His guidance was invaluable to us as first-time home buyers. The whole team was great when it came time to close. Everyone was communicative and responsive, and the final approval and closing process was a breeze.

Charlia A.

January 6, 2022

The Downs Group @ Vellum Mortgage was very thorough, helpful and accessible. Especially in helping me navigate my options and understand the numbers. They expertly ushered from contract to close under 30 days and just in time for the new year. Highly recommend!

Jamie Y.

December 1, 2021

John and team were able to do a super fast close, which other lenders could not handle. They were in constant communication with us, and took the time to answer all of our questions. I really appreciated working with them!

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