Knowledge Base. Knowledge Should Be Shared. Knowledge Base. Knowledge Should Be Shared.

Knowledge Base

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  • Purchase
  • Real Estate
  • First Time Homebuyer
  • Refinance
Why was I countered?
Why was I countered? 1024 536 Vellum Mortgage

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…

Why Use a Local Mortgage Lender?
Why Use a Local Mortgage Lender? 1024 536 Vellum Mortgage

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…

3 Keys to Buying a Home
3 Keys to Buying a Home 1024 536 Vellum Mortgage

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.…

Thinking About Buying a Home?
Thinking About Buying a Home? 1024 536 Vellum Mortgage

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 to…

Understanding Your Finances
Understanding Your Finances 1024 536 Vellum Mortgage

  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…

FHA Streamline Refinance
FHA Streamline Refinance 1024 536 Vellum Mortgage

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…

Why was I countered?
Why was I countered? 1024 536 Vellum Mortgage

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…

To Do After Closing On Your Home
To Do After Closing On Your Home 1024 536 Vellum Mortgage

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…

Apps for Finding a Great Neighborhood
Apps for Finding a Great Neighborhood 1024 536 Vellum Mortgage

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 neighborhood: Schools: You can view demographics and stats…

Before You Make An Offer, Here Are 4 Tips For Success!
Before You Make An Offer, Here Are 4 Tips For Success! 1024 536 Vellum Mortgage

With these four tips in mind you will be better prepared to make a successful offer. Understand How Much You Can Afford While it’s not nearly as fun as house hunting, fully understanding your finances…

Why Use a Local Mortgage Lender?
Why Use a Local Mortgage Lender? 1024 536 Vellum Mortgage

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…

Deciding Whether to Refinance
Deciding Whether to Refinance 1024 536 Vellum Mortgage

During the term of your mortgage, you may want to refinance to meet a variety of personal and financial goals. Refinancing will completely replace your current mortgage with a new loan that provides you with…

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?

Patrick Norman

Senior Loan Officer
NMLS ID #: 303097

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033

M: (571) 249-3530

Patrick Norman

Senior Loan Officer
NMLS ID #: 303097

12700 Fair Lakes Circle, Suite 400
Fairfax, VA 22033

M: (571) 249-3530