Let’s Get Started Financing Your Home

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

Meet Patrick Gardner

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

Contact Me

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.

Meet Your Home Loan Team

Patrick Gardner at Vellum Mortgage

Patrick Gardner

Principal
NMLS ID #: 186839

Patrick’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. With significant experience in the many facets of mortgage lending, his clients range from first-time homebuyers to higher-end purchasers, as well as new construction and rehab projects. He has been a successful loan officer for almost 30 years in Washington DC Metro area, helping to arrange more than $1 billion in mortgages during his career.

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.

Patrick has a BA from James Madison University and an MBA from University of Maryland, Robert H Smith School of Business.

Libbey Boyd

Libbey Boyd

Loan Manager
NMLS ID #: 1760569

Driven by a deep commitment to service, transparency and a beautifully simple process, Libbey has experience in many facets of the mortgage industry and is an expert at navigating this process. Libbey and Patrick are your sole dedicated guides through your journey and know how to execute a smooth and seamless experience.

Libbey goes above and beyond for each and everyone she works with and leveraging Vellum’s unique approach to the mortgage process, is able to provide the knowledge and resources to help you achieve your financial goals.

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!

logo_elevate

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

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!

I Love Hearing From You

Patrick Gardner

Principal
NMLS ID #: 186839

M: (571) 233-5230
O: (571) 830-2850

5860 Trinity Parkway, Suite 110
Centreville, VA 20120

Patrick Gardner

Principal
NMLS ID #: 186839

M: (571) 233-5230
O: (571) 830-2850

5860 Trinity Parkway, Suite 110
Centreville, VA 20120