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Let’s Get Started Financing Your Home

One simple place to start for all your home financing needs. Purchase or Refinance.

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Meet Libbey Boyd

My goal is to redefine the mortgage process by focusing on quality, integrity and transparency.

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My team and I are here to answer any of your questions or help point you in the right direction.

Knowledge Base

Articles and educational content. Everything you need in one place to help guide you on your home buying journey.

ElevateTM Loan Dashboard

ElevateTM Loan Dashboard was created to provide you with a beautifully simple process and experience from application to closing.

Allow Myself to Introduce... Myself

Libbey Boyd at Vellum Mortgage

Libbey Boyd

Loan Officer

Libbey’s mission is to provide unparalleled transparency in the loan process, backed by a lasting commitment to quality and integrity as indicated by the principles of the name Vellum is founded on. Having worked as a Loan Manager and Loan Officer in the Washington, DC Metro Area for the past 5 years, gives Libbey the familiarity to ensure everyone she serves is provided the knowledge and resources to achieve their financial goals.

Partnering with top local real estate agents, financial planners, accounts and other real estate and financial service professionals provides you with the best mortgage experience customized for your personal financial story. We’re redefining and elevating your experience, making it easier and more enjoyable.

Libbey went to JMU and has a BA Political Science.

Let’s Get Started Financing Your Home

You’re so close to being a homeowner or refinancing to meet your financial goals. Let’s do this!

Start Application
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We’ve Redefined & Elevated the Home Loan Experience

ElevateTM was created to seamlessly power the process from application to closing. Elevate’sTM powerful and intuitive Loan Dashboard allows for the process to be more transparent, streamlined and easier to navigate than ever – providing you with a beautifully simple process.

1. Apply

Use ElevateTM from your mobile or desktop and enter the information we need to know about your financial story.

2. Verification

After you apply we begin verifying your information. From here you can follow the progress of your loan from the ElevateTM Loan Dashboard.

3. Approval

We’re getting closer! During this stage, all documents are reviewed and we are able to make a final decision on the loan application.

4. Closing

Congratulations on being approved! Review your closing documents carefully. And most of all, enjoy the celebration!

Knowledge Base

Getting Pre-Approved Should Be Your First Step
 Getting Pre-Approved Should Be Your First Step 1024 662 libbeyboyd

In many markets across the country, the number of buyers searching for their dream homes greatly outnumbers the number of homes for sale. This has led to a competitive marketplace where buyers often need to…

3 Keys to Buying a Home
 3 Keys to Buying a Home 1024 683 libbeyboyd

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 homebuyer.…

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

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…

Private Mortgage Insurance
 Private Mortgage Insurance 1024 778 libbeyboyd

PMI, aka private mortgage insurance, is a type of mortgage insurance from private insurance companies used with conventional loans. Similar to other kinds of mortgage insurance policies, PMI protects the lender if you stop making…

Moving Checklist & Planner
 Moving Checklist & Planner 1024 555 libbeyboyd

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…

Why was I countered?
 Why was I countered? 1024 768 libbeyboyd

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…

Apps for Finding a Great Neighborhood
 Apps for Finding a Great Neighborhood 1024 576 libbeyboyd

A large part of a successful move is finding a good neighborhood. Here’s a few ways to find what pretty much everyone agrees makes up a good ‘hood: Schools: You can view demographics and stats…

New Mortgage Rules For Self-Employed Borrowers
 New Mortgage Rules For Self-Employed Borrowers 1024 683 libbeyboyd

Being your own boss comes with a lot of perks. Easier mortgage approval may not be one of them. If you’re self-employed, you must meet different requirements than a salaried person to qualify for a…

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

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…

Pen Pals with Your Mortgage Lender?
 Pen Pals with Your Mortgage Lender? 628 419 libbeyboyd

According to a piece in the Wall Street Journal, it is a common practice for underwriters to reach out to borrowers asking for letters of explanation sometimes referred to as “comfort letters” to firm up…

Let’s Get Started Financing Your Home

You’re so close to being a homeowner or refinancing to meet your financial goals. Let’s do this!

Start Application

I Love Hearing From You

Libbey Boyd

Loan Officer
NMLS ID #: 1760569

M: (703) 969-0953
O: (571) 830-2851

5860 Trinity Parkway, Suite 110
Centreville, VA 20120

Libbey Boyd

Loan Officer
NMLS ID #: 1760569

M: (703) 969-0953
O: (571) 830-2851

5860 Trinity Parkway, Suite 110
Centreville, VA 20120