Our Loans
WHY US? WHY VELLUM?
Simple. Our people make it easy, and we offer a full suite of products that meet the needs of 99.99876% of homebuyers. It’s a very rare day when we cannot help a client get a mortgage.
Our scale allows us to offer great loans for all types of customers; our expertise enables us to accelerate the lending process. We get things done, even when there are hurdles to jump, timelines to meet, challenging or unique properties, and people who just need to understand the lending process before signing on the dotted line.
Homeownership isn’t just part of the American dream; it’s the bedrock of most people’s finances.
To us, mortgages aren’t just a bunch of numbers and programs. Mortgages are about possibilities and responsibilities. Our job is to illuminate the present and the future, and safeguard the transaction so that no detail is left behind, and it closes right — and right on time.
Frankly, we’re persnickety finance geeks who sweat every detail of every transaction. We just can’t help it. We love this business, because it can transform our clients’ lives.
WHERE WE SHINE
First-time Home Buyers
Difficult or Complex Loans
Condominium Financing
Jumbo Mortgages
VA Home Loans
Timely Refinance Opportunities
Self-employed Borrowers
Low Down Payment Loans
LOANS WE OFFER
The truth is, lots of lenders offer similar loans and rates. So what’s the difference between us? People, plain and simple. Our people offer the gold standard in mortgage lending: Make it easy, smooth and as fast as possible for you to get the right loan, at the right rate, for your situation. We simplify the process so it’s a much better experience, from your first call with us to signing your loan documents. Through Vellum Mortgage, we offer dozens of loan programs, and custom-fit them to your situation. Call us at 202.899.2600 so we can walk you through the options.
Conventional Conforming Loans
Fannie Mae and Freddie Mac mortgages up to the High Balance limits. Unlike most lenders, we have the flexibility to choose which agency product works best for you.
Jumbo Mortgages
If you’re buying a home that requires a loan that exceeds the government’s high-balance limits, you’re in jumbo territory. We know the landscape and have helped hundreds of borrowers get a great rate on a jumbo loan with less stress all around.
FHA Loans
Low-down-payment, government-backed loans are ideal for people with cash or credit challenges, eliminating delays and allowing credit scores as low as 580. We eliminate underwriting delays and make the process smoother. We also specialize in issuing FHA Condo Approvals.
Renovation Loans
Want to renovate a home that you already own, or want to buy? We offer FHA 203(k) and Fannie Mae Homestyle renovation loans that finance small- to large-scale renovations. We can also help you with loans that hit the high-balance limits that are challenging for many other lenders.
VA Home Loans
Veterans have the ultimate flexibility to buy a home with no money out of pocket. We excel at getting veterans ratified even in markets where sellers prefer conventional loans. And we’re highly efficient with VA condo approvals.
Private-Label Portfolio Lending
Special-case options exist for people with unique circumstances that fall outside of conventional, FHA, VA, and jumbo situations. If you fall into one of these categories, give us a call.
- Foreign nationals buying in the US
- People with credit events such as a short sale or foreclosure in the past four years
- Unique investment opportunities like non-warrantable condominiums
All loan types accommodate a variety of down-payment alternatives and fixed or adjustable rates.
WORK WITH MORTGAGE COACHES WHO CARE ABOUT YOU.
If there’s one thing we know about this business, it’s that it’s all about YOU. It’s not about us. What counts to us is what you want to achieve.
We’ll explore options with you that you may not even realize you have. For example, you may need to put less money down than you think. Or, you may need some honest advice about how to heal your credit. Or maybe you’re self-employed and have complicated taxes.
Everyone’s situation is different. Our job is to get to know you, and present the very best options we can so you can achieve your goals.
Get the right mortgage for your life and financial goals with help from our mortgage coaches.
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