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Purchase

Things to Remember
Things to Remember 1024 536 shannonleydig

  The are many factors that can change your ability to qualify for a mortgage. It’s important to follow these guidelines until your loan is closed. Do Pay all your monthly bills on time Keep track of all your bank deposits and statements Find and…

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Verified by Vellum, Your Client’s First Step
Verified by Vellum, Your Client’s First Step 1024 536 shannonleydig

A fully underwritten Verified Pre-Approval by Vellum streamlines the homebuying process and allows your clients to shop with confidence. We are excited to share in the homebuying experience. Gain Confidence & Feel Secure Be able to submit an offer with confidence knowing it provides proof…

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Grants & Down Payment Assistance Programs
Grants & Down Payment Assistance Programs 1024 536 Vellum Mortgage

A 2017 Zillow survey of 10,000 American adults found that two-in-three people who were then renting identified saving for a down payment as their biggest obstacle to homeownership. If you want to become a homeowner, but you don’t have enough cash for a down payment,…

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Grants & Down Payment Assistance Programs
Grants & Down Payment Assistance Programs 1024 536 shannonleydig

A 2017 Zillow survey of 10,000 American adults found that two-in-three people who were then renting identified saving for a down payment as their biggest obstacle to homeownership. If you want to become a homeowner, but you don’t have enough cash for a down payment,…

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What to do after closing on your home.
To Do After Closing On Your Home
To Do After Closing On Your Home 1024 536 shannonleydig

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 old place to your new address goes as smoothly as…

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Thinking About Buying a Home?
Thinking About Buying a Home?
Thinking About Buying a Home? 1024 536 shannonleydig

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 qualify for your home loan. Do Make and stick to…

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Private Mortgage Insurance
Private Mortgage Insurance
Private Mortgage Insurance 1024 536 shannonleydig

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 payments on your home loan. PMI can be arranged by…

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Moving Checklist and Planner
Moving Checklist & Planner
Moving Checklist & Planner 1024 536 shannonleydig

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 is an exciting time! We scoured the internet looking for…

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Why was I countered?
Why was I countered?
Why was I countered? 1024 536 shannonleydig

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 the options for their client and then notify all buyers’…

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Why use a local lender?
Why Use a Local Mortgage Lender?
Why Use a Local Mortgage Lender? 1024 536 shannonleydig

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 rules, settlement procedures and appraisal methodologies. These areas are all…

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