Vellum Advantage is a streamlined digital mortgage experience. Through our application portal, borrowers are able to authenticate their assets in a safe and secure manner. While most home mortgage lenders are taking up to 120 days to close a refinance transaction, Vellum Advantage has allowed many to close in less than two weeks!
Vellum Advantage takes the uncertainty out of home buying. Your clients are able to remove financing contingencies, making their offer stronger than the next. All we need is an appraisal, if required, homeowners insurance, and information from the settlement company, that's it! Vellum Advantage is the perfect tool to increase your business.
Vellum Advantage takes the uncertainty out of home buying. Your clients are able to remove financing contingencies, making their offer stronger than the next. All we need is an appraisal, if required, homeowners insurance, and information from the settlement company, that's it! Vellum Advantage is the perfect tool to increase your business.
Services
Vellum Mortgage was created to elevate the entire mortgage experience, not only for our clients but also for our employees and business partners. Therefore, our mission is to provide unparalleled transparency in the loan process, along with a lasting commitment to quality and integrity as indicated by the principles of the name we're founded on.
Buying a home can be overwhelming, but there are many different types of loans that are designed for a wide range of needs. Deciding on the type of mortgage early can help you decide what kind of home your can afford. Use this guide to explore your options and find the right loan for you.
A fixed rate mortgage is one with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change.These types of loans typically come in terms of 15 or 30 years. The benefit of this kind of this mortgage loan option is the predictability of the payments, because it allows you to better plan your future finances and your monthly expenses more precisely.
A fixed rate mortgage is one with payments that remain the same throughout the life of the loan because the interest rate and other terms are fixed and do not change.These types of loans typically come in terms of 15 or 30 years. The benefit of this kind of this mortgage loan option is the predictability of the payments, because it allows you to better plan your future finances and your monthly expenses more precisely.
So you've decided it's time to purchase a home - how exciting! Whether you're purchasing your first home or you've had some experience with this before, the purchase of a home can be a little daunting. Lucky for you Vellum Mortgage has taken the extra steps to make this process a lot easier. Thanks to Vellum Advantage the entire journey from application to closing is streamlined, and fast.
Wondering if you should refinance? Refinancing can help you meet a variety of personal and financial goals such as lowering monthly payments, consolidating debt, providing money for remodeling, or even paying for a child's (or your own) education. Refinancing will completely replace your current mortgage with a new loan that provides you with a new term, rate and monthly payment.
Buying a home can be overwhelming. There are multiple steps, requirements, and processes that can be confusing for anyone, especially, a first-time home buyer. To make things easier, we have broken down these steps so you can better understand and prepare to buy your first home. As a first-time homebuyer, buying a home can be challenging.
Reviews (13)
Ava Baker
Sep 03, 2021
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Brookklin Brown
Jul 22, 2021
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Editing this review because of the response to the owner. I placed several phone calls WITHIN working hours in which he did not answer the phone. I also sent a TEXT message to the loan officer about the offer we submitted and he NEVER responded not even within working business hours and I NEVER heard from him again. I submitted my offer on a home which I DID buy with the letter from Vellium and asked about the contingencies in a market that was moving EXTREMELY fast and never heard anything back. Do not sit here and lie on this review. I was TIRED of being blown off and found a better rate elsewhere
Adam T.
Apr 03, 2021
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Although we ended up using a different provider for our home mortgage, I reached out to Greg Kingsbury at Vellum Mortgage twice for quotes. In both cases he was extraordinarily professional and took the time to explain the quote thoroughly, even though it was fairly clear we were going to end up using the other provider. His rates were extremely competitive and he beat our own provider in both cases. His responsiveness ended up saving us quite a bit of money on our mortgage. If we need mortgage services in the future, whether for a new home loan or a refinance, Greg will definitely be my first
Logan W.
Mar 26, 2021
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*Edited after being called by the company requesting I remove names/edit this review* I absolutely would never recommend this company to anyone purchasing or refinancing a home. Over the last 18 months, I have completed an initial loan and 2 refinances with this company. Beginning with the first refinance, extra fees continually showed up on statements issued by the company that I had to dispute time and time again despite being reassured every time that it was simply a “glitch.” After they fixed this on my closing documents that I signed, to my surprise the “glitch” added it back in when
Willie Padilla-Melendez
Jan 14, 2021
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Brent
Jan 03, 2021
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We have worked with Eric Hopkins and Diana Blanks now twice, first with our initial home purchase and again for refinancing. Both, along with the team, are top knotch. We were provided an excellent rate with low fees, avoided PMI, were guided on the best terms and when to rate lock, and then the whole process of the loan. Eric answered my many questions with clarity and context, and was always responsive, especially during a very crazy time period of low rates (winter/spring 2020). Their company is transparent, highly skilled, and good people. I highly recommend and would work again with Vellum
Laurel Sonnenschein
Dec 03, 2020
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Despite the current mortgage craziness with the historically low rates, the team of Jay Curley, Zak Rhodes, & Fatima Rahimi were A #1! Jay patiently reviewed different options with me; Fatima helped get me through the application process; and Zak provided the numbers, documents, and answered all questions. 3rd time refinancing with Jay -- why would I go anywhere else with such professional and expert support?
Tim Smyth
Jun 27, 2020
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Kevin Finnegan and Vellum Mortgage absolutely crushed it for my family! How do you get approval overnight, in the middle of a global pandemic, at rates that the big boys couldn’t beat? Go with Kevin. Seriously, this is a real review from someone that doesn’t know Kevin personally – he just did things I didn’t think were possible in the middle of COVID-19, or at any other time, for that matter.
We put in four different offers with Kevin before ultimately purchasing our home. Every time, nights, weekends, holidays, pandemics (!) the documents were there, the preapprovals didn’t slow us
We put in four different offers with Kevin before ultimately purchasing our home. Every time, nights, weekends, holidays, pandemics (!) the documents were there, the preapprovals didn’t slow us
John Powell Jr
Jun 14, 2020
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Desiree Williams
Aug 01, 2019
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Nik Namdar
Jul 31, 2019
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Georgia W. Ingalls
Jul 31, 2019
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J. Mark Davison
Jun 26, 2019
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I highly recommend Shannon Leydig for her professionalism, knowledge, and experience. A friend recommended Shannon to me in June 2017 when I needed a loan for an investment property. She was extremely helpful and fast, which made the process easy. We worked 100% via phone and email.
I am working with Shannon on another loan now and plan to work with her on all my future mortgage needs. Shannon thoroughly understands VA loans, which has been a big help to me this time around. She will always recommend whatever type of loan works best depending on thr situation.
Any time I have a question, Shannon
I am working with Shannon on another loan now and plan to work with her on all my future mortgage needs. Shannon thoroughly understands VA loans, which has been a big help to me this time around. She will always recommend whatever type of loan works best depending on thr situation.
Any time I have a question, Shannon
