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YOUR FINANCIAL INDEPENDENCE IS OUR MISSION

Our Unique Process

Thank you for reaching out to Vellum Mortgage. We are thrilled to connect…

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Waiving The Appraisal Contingency

Risks Of Waiving The Appraisal Contingency

In real estate, the more competitive the situation, the more people think about…

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Credit Score Improvement

A Simple Credit Hack To Improve Your Credit Score

Getting your credit score is one of the most frustrating things about getting…

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401k Loan to buy a home

Should You Borrow from Your 401K?

This question starts in one of the following two ways.  “John, I have…

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Is PMI really that bad?

The Game of PMI

In a recent article, we discussed how you do not need to put…

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First Time Homebuyer Mistakes

First-time Home Buyer Mistakes

I work with many first-time home buyers, and over the years, I have…

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Mortgage Approvals

Prequalification, Preapprovals & Loan Commitments

When buying a house, the first thing you do is get pre-approved. This…

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How to win bidding wars in real estate

Contracts: The Secret to Getting the Home

People often ask me why some offers get accepted, and others don’t.  They…

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How much should you put down when buying a home?

Down Payments: How Much Should I Save Up?

Down payments are one of the most important topics to discuss when buying…

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Lender Credits to Pay Closing Costs

The Mysterious Advantage of Lender Credits

Let’s talk about the mysterious advantages of lender credits. What exactly makes them…

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How Will I Know When It’s Time to Refinance?

One of the most common questions I get from homeowners is, “How will…

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