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To Do After Closing On Your Home
To Do After Closing On Your Home 1024 768 jacquesommer

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…

Understanding Your Finances
Understanding Your Finances 628 419 jacquesommer

One of the first steps in the homebuying process is fully understanding your finances. It’s important and necessary to help you determine how much you can afford. Start by asking yourself the following questions and…

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 683 jacquesommer

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,…

Residential Mortgage Loan Underwriter
Residential Mortgage Loan Underwriter 628 419 jacquesommer

Job Summary: The Underwriter is responsible for mortgage loans originated by correspondents according to guidelines set by Vellum Mortgage, FNMA, FHLMC, FHA, and VA, for underwriting loans and ensuring compliance with department guidelines, state and…

Why Use a Local Mortgage Lender?
Why Use a Local Mortgage Lender? 1024 667 jacquesommer

Real estate agents who would represent you as a buyer do care which lender you use. They’ll often suggest that you use a local lender who’s experienced with your area’s nuances, such as local taxation…

Boaters for Backpacks
Boaters for Backpacks
Boaters for Backpacks 1024 536 jacquesommer

The Fairfax County Police Department’s Marine Patrol Unit is excited to co-sponsor the event Boaters for Backpacks. FCPD has partnered with local marinas and Vellum Mortgage to collect backpacks for the upcoming school year. According…

7 Reasons You Need a Real Estate Agent
7 Reasons You Need a Real Estate Agent 1024 710 jacquesommer

The road to homeownership can be bumpy, and it’s often filled with unexpected turns and detours. That’s why it makes sense to have a real estate pro help guide the way. While real estate websites…

5 Reasons to Buy a Home This Fall
5 Reasons to Buy a Home This Fall 1024 683 jacquesommer

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,…

FHA Streamline Refinance
FHA Streamline Refinance 1024 536 jacquesommer

The FHA Streamline Refinance program is a special refinance program for people who have a Federal Housing Administration (FHA) loan. It is the simplest and easiest way to refinance an FHA loan. Unlike a traditional…

Pre-Qualification vs. Pre-approval
Pre-Qualification vs. Pre-approval 1024 684 jacquesommer

Two often confused terms in the home buying process are a mortgage loan pre-qualification and a home loan pre-approval. Here’s what you really need to know about each one. Pre-Qualification A mortgage pre-qualification is simply…

Getting Pre-Approved Should Be Your First Step
Getting Pre-Approved Should Be Your First Step 1024 536 jacquesommer

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…

Personal Branding 101
Personal Branding 101 1024 683 jacquesommer

Developing a personal brand is similar to product branding. The overall goal with branding is to differentiate yourself (the product) in the market so you can attain your objectives, be those landing your dream job…

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?

Jacque Sommer

Senior Loan Officer
NMLS ID #: 194354

M: (703) 499-1641
O: (571) 830-2824

5860 Trinity Parkway, Suite 110
Centreville, VA 20120

Jacque Sommer

Senior Loan Officer
NMLS ID #: 194354

M: (703) 499-1641
O: (571) 830-2824

5860 Trinity Parkway, Suite 110
Centreville, VA 20120