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How Do Interest Rates Affect My Purchase Power?
How Do Interest Rates Affect My Purchase Power? 1024 536 carloslarrazabal

Nothing affects a home’s affordability more than interest rates. After all, we live with the monthly payment, not the amount of the loan. The higher your mortgage rate is, the higher your monthly payments are…

Is a Mortgage Pre-Approval Necessary?
Is a Mortgage Pre-Approval Necessary? 1024 536 carloslarrazabal

Do you need a mortgage pre-approval letter to make an offer on a house? You know you need to get your ducks in a row before looking at homes, but does that include securing a…

Things to Remember
Things to Remember 1024 536 carloslarrazabal

  The 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…

The Factors That Determine Your Mortgage Interest Rate
The Factors That Determine Your Mortgage Interest Rate 1024 536 carloslarrazabal

When you take out a mortgage to buy a home, you pay interest over the years. So what determines that rate? Obviously, your credit history probably plays the biggest role, but there are other factors…

Residential Mortgage Loan Underwriter
Residential Mortgage Loan Underwriter 1024 536 Vellum Mortgage

Job Summary: We are seeking a Senior Underwriter to partner with our loan origination staff in the creation of high quality, insurable mortgage loans. The Senior Underwriter will evaluate collateral and credit packages for mortgage…

Conforming & VA Loan Limit Changes for 2020
Conforming & VA Loan Limit Changes for 2020 1024 536 carloslarrazabal

FHFA Announced Increase in Conforming Loan Limits for 2020 The Federal Housing Finance Agency announced that it is raising the conforming loan limits for Fannie Mae and Freddie Mac to more than $510,000. In most…

Top Tax Benefits of Owning a Home
Top Tax Benefits of Owning a Home 1024 536 carloslarrazabal

Owning a home will often be the most expensive and important purchase you will make in your life. To encourage home ownership, the IRS has provided several tax breaks for owning a home. Deductions lower…

Credit Tips for First-Time Homebuyers
Credit Tips for First-Time Homebuyers 1024 536 carloslarrazabal

When applying for a mortgage loan, your credit will be one of the key factors in whether you’re approved, and it will help determine your interest rate and possibly the loan terms. It’s a good…

Happy Veterans Day
Happy Veterans Day. Thank You for Your Service.
Happy Veterans Day. Thank You for Your Service. 1024 536 carloslarrazabal

$500.00 Lender Credit for Veterans1 You served our country. Now it’s time for us to serve you. We are proud to offer a $500.00 lender credit at settlement to any qualified Veteran, active duty U.S.…

Grants & Down Payment Assistance Programs
Grants & Down Payment Assistance Programs 1024 536 carloslarrazabal

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,…

Junior Mortgage Closer – Position Overview
Junior Mortgage Closer – Position Overview 1024 536 carloslarrazabal

The Junior Mortgage Closer is responsible for performing various duties to support the Closing Department; coordinating work within the department, as well as with other departments; complying with operating policies and procedures established for this…

Understanding Cash-Out Refinances
Understanding Cash-Out Refinances 1024 536 carloslarrazabal

  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…

Let’s Get Started Financing Your Home

You’re so close to being a homeowner or refinancing to meet your financial goals.

Have Questions or Want to Discuss Your Options?

Carlos Larrazabal

Senior Vice President
NMLS ID #: 476370

M: (703) 930-8038

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033

Carlos Larrazabal

Senior Vice President
NMLS ID #: 476370

M: (703) 930-8038

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033