Jacque Sommer at Vellum Mortgage
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 mortgage options available.
Verified by Vellum streamlines the homebuying process and allows you to shop with confidence. We are excited to share in your homebuying experience.
You’re so close to being a homeowner. Let’s do this!
Mortgage guidelines for first-time homebuyers have changed over recent years. In order to ensure loan approval, you need to have everything in order before your application. Credit Credit is very important for the first-time…
It is often said that homeownership builds wealth. So, what is home equity, and how can it enhance your net worth? What is home equity? Home equity is the current market value of your home,…
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,…
Now is a Great Time: Interest Rates are Still Low Current interest rates are still low, so if you are thinking of remodeling, buying a new home or investment property or refinancing your current mortgage,…
Let’s face it, moving is stressful. Moving all your belongings from one place to another is hard, and so is relocating your life in general. But, let’s not forget that moving to a new place…
As a homebuyer, if you make an offer below list price, the seller may choose to reject, accept or simply let the offer expire. If there are multiple offers, the listing agent will lay out…
One of the first steps in the homebuying process is fully understanding your finances. Here is a checklist to help you prepare. Avoid making changes to your financial story that could hurt you ability…
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…
Your financial house is in order and you’re ready to make your dream of homeownership a reality. Now it’s time to get a mortgage. So what are these so called “points” and is there…
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…
