John P Downs - Vellum Mortgage

History

Early in my career, I saw that good people were steered into mortgages that didn't fit their life goals. It wasn't just because of bad lending; it was because no one had really listened to them. There wasn't any real counsel; a lot of it was mumbo jumbo. In those years -- and unfortunately to this day -- lots of loan officers seem to care more about getting people into a loan that works for the lender, instead of what really works for the client. The more I thought about it, the more the whole process made me mad. People need more than a rate quote and a fast close--even if they don't know it themselves. They need someone to look out for their interests. That's when I decided to re-invent the lending process, so that it's about helping people understand the impact of the loans they get -- not endless streams of confusing paperwork. The truth is, we'll never be about rates or points; instead, we measure our success by how we've helped every one of our clients achieve their dreams.

Specialties

OUR MISSION: Financial Independence for everyone! We believe the world is a better place when people are more financially literate and empowered to make wise investment decisions. Quite simply, we help you build wealth so that you can have the life you want.